vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following accounts are not mine and I do not have knowledge of these accounts XXXX XXXX.Account XXXX XXXX XXXX XXXX.Account Number : XXXX XXXX  XXXX XXXX  .. Account 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I noticed inaccurate late payments on my credit report that are incredibly damaging. I attempted to have them fixed, but Transunion did not complete accurately. I have attached a copy of what Transunion is reporting for late payments, and I have attached copies of my mortgage statements showing that those months were in fact paid on time, as well as a copy of my ID. Kindly remove these late payments from my credit report. Thank you.

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 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am writing to formally dispute certain items that have recently appeared on my credit report, which I believe to be fraudulent. 



I have recently applied to join the XXXX XXXX XXXXXXXX, and as part of the enlistment process, a credit check was conducted. It was during this review that I was made aware of derogatory entries related to XXXX XXXX that have been reported to the credit bureaus and placed in collections. 



I want to make it absolutely clear that I have no knowledge of these accounts or any affiliation with XXXX XXXX. I have never signed up for, authorized, or used any services associated with this company. These entries are completely unfamiliar to me and I suspect they may be the result of identity theft or erroneous reporting. 



This matter is not only concerning but has also become a serious obstacle in my enlistment process. A clean and reliable credit history is a requirement for service in the XXXX, and these fraudulent items are currently jeopardizing my ability to serve my country. Beyond that, the stress and uncertainty caused by this situation have taken a toll on my mental health and well-being. 



I respectfully request that these accounts be fully investigated and removed from my credit report as soon as possible. I am prepared to provide any additional documentation needed to facilitate the investigation and ensure the accuracy of my credit records. 



This situation is urgent, as it directly affects my future and my ability to reach my goals. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and misleading information reported on my credit reports by multiple data furnishers. 

Duplicate Collection Reporting by XXXX XXXX XXXX XXXX credit reports list XXXX collection accounts from XXXX XXXX XXXX referencing the original creditor, XXXX XXXX Bank, with nearly identical balances ( {$1500.00} and {$3200.00} ). I believe these entries are duplicates or misrepresented debts, violating my rights under the Fair Credit Reporting Act ( XXXX  ) for accurate and non-redundant reporting. 

Consumer Disputes After Resolution Misleading Remark XXXX of these accounts includes a remark that I dispute the debt after resolution. I was not notified of any reinvestigation nor did I receive any written results as required under FCRA XXXX XXXX. This notation is misleading to current or potential lenders. 

Improper Collection Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) A newly reported collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1700.00} ) was added to my file with no prior written notice as required by FDCPA XXXX XXXX ( a ). I did not receive any validation notice or opportunity to dispute before this entry appeared, which caused damage to my credit standing. 

Stale Charged-Off Debt by XXXX Bank A charge-off from XXXX Bank for {$890.00} appears as recently XXXX but has had no account activity since XXXX. This XXXX exceed my state 's statute of limitations for collecting or reporting such debt and should be verified or removed. 

I request that the Consumer Financial Protection Bureau initiate a thorough investigation into these violations and instruct the credit reporting agencies and furnishers involved to correct or remove the inaccurate data. Please provide updates throughout the process.

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 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX suggests I owe back XXXX, XXXX. I have disputed with experian and XXXX  with evidence. XXXX XXXX XXXX never contacted me to even provide a payment plan. Even on their website is a broken site and I dont even have an account number to even create a profile to even see anything. I have asked for proof of photos upon move out. As such as trash fees, cleaning mirrors, carpets and toilet fees. I strongly believe XXXX is an inaccurate amount that they can not prove it should be that much without photos and videos. Following along with their website that looks broken and not receiving an account number to even create a profile to see a ledger. Any proof that XXXX XXXX XXXX has contacted me? To notify me of a collection and how to repay it?

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Date : XX/XX/XXXX Re : Dispute of Inaccurate Late Payments Account Number XXXX XXXX Whom It May Concern, I am writing XXXX dispute the accuracy of the information being reported on my credit report regarding late payments on my auto loan with [ XXXX  XXXX XXXX ], Account Number [ XXXX ]. According to XXXX XXXX XXXX ( a ), furnishers are required XXXX provide accurate XXXX complete information XXXX the credit reporting agencies. 

Upon reviewing my credit report, I noticed that late payments were reported on the following dates : - XX/XX/XXXX, XX/XX/XXXX I contest the accuracy of these reports based on the following reasons : - [ State specific reasons, e.g., payment was made on time, incorrect due date, payment processing delay not attributable XXXX me, etc. ] Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), I am requesting an investigation of this matter. Please initiate an investigation XXXX verify the accuracy of the reported late payments. 

Additionally, according XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), if the information can not be verified, it must be deleted promptly. 

I am enclosing the following documents XXXX support my dispute : - [ List of supporting documents, e.g., payment receipts, bank statements, correspondence with the lender, etc. ] I expect this matter XXXX be investigated and resolved within the legally required timeframe of XXXX days, as stated under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). Please provide me with the results of your investigation as well as an updated copy of my credit report. 

Thank you for addressing this matter promptly.

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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank XXXX Checking XXXX XXXX XXXX Just block my account XXXX  put fraud on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: GLOBAL CREDIT UNION
State: PA

Complaint narrative:
I am filing this complaint regarding excessive and undocumented charges assessed to my account following the repossession of my 2019 XXXX XXXX XXXX. 

I reside at XXXX XXXX XXXX, XXXX, PA XXXX. Due to missed payments, my vehicle was repossessed by my auto lender. I understand that repossession can come with related costs, but I was charged a {$650.00} towing fee and an additional {$350.00} for a key replacement by a third-party towing company contracted by the lender. 

I have repeatedly requested an itemized invoice and proof of payment for these charges from my lender. They have refused to provide any documentation or transparency regarding the amounts they claim were paid on my behalf. 

Based on current XXXX towing ordinances and local locksmith pricing for my vehicle model, both fees appear highly inflated. XXXX typically caps standard towing rates for vehicles under XXXX lbs at around {$170.00}, and key replacement for my car typically ranges from {$120.00} {$230.00} total, including cutting and programming. 

I believe I am being unfairly overcharged and misled. I am seeking : A copy of the original third-party invoices from the tow/key vendors Confirmation of payment made by my lender A reassessment or reduction of the fees if they can not be substantiated I respectfully request the CFPB 's assistance in compelling my lender to provide transparency and fairness in the fees being applied to my account. 

Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I got approved for a milestone credit card with Concora credit. They have sent a bill due on XX/XX/XXXX for a 30 day billing cycle. I got the card XX/XX/XXXX and the cycle went to XX/XX/XXXX. That's only 17 days. How is this legal. They lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
Prestige Financial is reporting my account as severely delinquent ( XXXX days past due ) even though I entered a formal written payment plan in XX/XX/scrub>XXXX XXXX and have made every biweekly payment on time and in full since XXXX XXXX XXXX. This misleading reporting violates the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting be accurate and not misleading. 

Additionally, Prestige stated in a recent response that my account has been charged off. This is the first time Ive been told this, and I have never received a charge-off notice or documentation. My credit reports also do not clearly reflect a charge-off status, which adds to the confusion and harm. 

I am requesting that : My account be updated to reflect that I am current under the written payment plan as of XXXX XXXX XXXX Prestige provide proper notice and documentation of any charge-off, if it occurred Credit bureaus stop reporting new months as delinquent while I am actively repaying under agreed terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I requested all relevant contracts and communications to and from the original creditor. The amount I am disputing is XXXX. My credit report indicates that this account was opened on XXXX. I did not authorize this account to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: TX

Complaint narrative:
I was approved for a XXXX XXXX XXXX XXXX through Sallie Mae. Sallie Mae told me the check was mailed on XX/XX/year>. I never received the check. I called Sallie Mae and they told me the check was cashed by someone on XX/XX/year>. The check was for XXXX dollars and was supposed to cover my expenses from XX/XX/year> until XX/XX/year>. 

It is now XX/XX/year> and Sallie Mae has been XXXX help. They have not given me any information, other than the check was cashed and they have to do an investigation that can take up to XXXX  days. The money is supposed to cover my expenses for a time period far less than that. Also, I can't get a loan from anywhere else because I don't work right now because I'm studying for the bar exam after graduating from XXXX XXXX. 

Sallie Mae has also begun to charge me interest for the loan that I have not even received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC XXXX, I ask that these accounts be removed within XXXX  days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to XXXX U.S. code XXXX ( XXXX ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to XXXX USC XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im in disagreement with this account listed below which still appears on my credit report, even after your investigation.I would like the item reinvestigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX account XXXX XXXX In accordance with the fair credit reporting act, public law XXXX, Title XXXX section XXXX. Please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-05-24 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: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
XXXX XXXX COMPA via INFORMATIVE RESEARCH\nLocation\nXXXX XXXX XXXX XXXX, CA XXXX\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual.\n\nXXXX XXXX XXXX via XXXX\nLocation\nXXXX XXXX XXXX\nXXXX XXXX, CA XXXX\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual\nPermissible Purpose\nCREDIT TRANSACTION\n\nXXXX XXXX\nLocation\nXX/XX/XXXX, PA XXXX\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\n\nXXXX XXXX XXXX\nLocation\nXXXX XXXX XXXX\nXXXX, DE XXXX\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual\n\nXXXX XXXX\nLocation\nXXXX XXXX 71727\nXXXX, PA XXXX\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual\n\n\nXX/XX/XXXX\nLocation\nXXXX XXXX XXXX\nXXXX, PA XXXX\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual\n\XXXX/UWM\nInquiry Date\nRemoval Date\nType\nPhone Number\nXXXX\nXX/XX/XXXX\nMortgage Companies\nXXXX XXXX\n\nCOMENITYBANK/XX/XX/XXXX\nInquiry Date\nRemoval Date\nType\nPhone Number\nXXXX\nXXXX XXXX\XXXX\n\nINFORMATIVE RESEARCH\nInquiry Date\nRemoval Date\nType\nPhone Number\nXXXX\nXXXX XXXX\nMiscellaneous Reptg. Agencies\n\nXXXX XXXX XXXX\nInquiry Date\nRemoval Date\nType\nPhone Number\nXX/XX/XXXX\nXXXX XXXX\nMiscellaneous Reptg. Agencies"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
XXXX XXXX COMPA via IXXXX XXXX\nLocation\nXXXX XXXX XXXX XXXX, CA XX/XX/XXXX\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual.\n\nXXXX XXXX XXXX via XX/XX/XXXX\nLocation\nXXXX XXXX XXXX XXXX, CA XX/XX/XXXX\nRequested On\nXXXXXXXX\nPhone\nXX/XX/XXXX\nInquiry Type\nIndividual\nPermissible Purpose\nCREDIT TRANSACTION\n\nSYNCBAMERICAN EAGLE\nLocation\nXXXX XXXX 71727\XXXX, PA 19176\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\n\nJXXXX CARD SERVICES\nLocation\nXXXX XXXX XXXX, DE XXXX\nRequested On\nXX/XX/XXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual\n\nSYNCBSAM'S  PLCC\nLocation\nXXXX XXXX XXXX, PA XXXX\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual\n\n\nSYNCBWALGREENS\nLocation\nXXXX XXXX XXXX, PA 19176\nRequested On\nXXXX\nPhone\nXXXX XXXX\nInquiry Type\nIndividual\n\XXXX/XXXX\nInquiry Date\nRemoval Date\nType\nPhone Number\nXXXX\nXXXX XXXX\nMortgage Companies\nXXXX XXXX\n\XXXX/XXXX\nInquiry Date\nRemoval Date\nType\nPhone Number\nXXXX\nXXXX XXXX\XXXX\n\nXX/XX/XXXXnInquiry Date\nRemoval Date\nType\nPhone Number\nXXXX\nXXXX XXXX\nMiscellaneous Reptg. Agencies\n\XX/XX/XXXXXXXX XXXX\nInquiry Date\nRemoval Date\nType\nPhone Number\nXXXX\nXXXX XXXX\nMiscellaneous Reptg. Agencies"

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Please see the file that I uploaded with the accounts in question .. One is a collection that i did not sign for and the other is a charged off account that is " placed for collection '' however it still reporting. My rights are violated.

Company response to consumer: Closed with explanation