vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear CFPB XXXX  Department, I am writing to formally dispute an inaccurate item appearing on my credit report. I have enclosed copies of my identification documents for verification. 
The disputed item is as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Item Disputed : Late Payment / Default Status / {$50.00} Balance and Fee his credit card account had a {$0.00} balance at the time of its expiration in XX/XX/year>. The account was effectively dormant and not in use. 
The bank failed to issue a renewal credit card, and I was not properly notified of the $ \ {$50.00} $ annual fee or the resulting delinquency. 
The negative mark appears to stem from a fee that was assessed without my having a viable means to use the card or close the account formally before the fee accrued. 
The bank reported a delinquency based on a nominal annual fee, despite having a history of failing to manage my account correctly ( e.g., closing a related savings account ). This negative mark should not be allowed to stand when the account was not in active use and the delinquency was created by the bank 's administrative process. 
The negative reporting of this item violates my rights under the Fair Credit Reporting Act ( FCRA ) because it does not accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
The current entry mischaracterizes my financial conduct and lacks completeness. I request formal review and corrective action.

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 2025-12-02 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: PA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to a [ letter/phone call ] received on regarding an alleged debt purportedly owed to your agency. Please be advised that this is not an acknowledgment of the debt, but a formal request for validation as provided by the Fair Debt Collection Practices Act ( FDCPA ). 
Requested Information The amount of the alleged debt The name of the creditor to whom the debt is owed Documentation proving that I am legally obligated to pay this debt A copy of the original contract or agreement, if applicable Proof of your authorization to collect debts in my state An itemized statement of the account showing how the amount was calculated Until you provide the requested validation, please cease all collection activities and refrain from reporting this alleged debt to any credit bureaus. If this debt is found to be invalid or you can not provide the requested documentation, I request that you immediately remove any related information from my credit reports and cease further contact. 

Please note that any attempt to collect without providing proper validation is a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. 
I request that you respond to this letter within 30 days of receipt. Please send all correspondence and documentation to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate, inconsistent, or unverified information that remains after disputes. 
Charged-Off I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX Acct XXXX {$180.00} There may be duplicates and inconsistent dates that have not been verified.

2. Hard Inquiries ( Unauthorized ) The following TransUnion inquiries were not authorized : XXXX ( XX/XX/year>, XX/XX/year> ) XXXX XXXX ( XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) I did not apply with these companies nor authorize these inquiries. 

3. Late Payment Reporting ( Unverified ) XXXX XXXX XXXX Acct XXXX This late payment is inaccurate and has not been verified. 

Request : I request that the CFPB instruct TransUnion to complete a proper investigation and remove any accounts, inquiries, or late payments that can not be validated.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within four ( 4 ) business days of receiving the report. 
The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported. 
I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

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 2025-12-02 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: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CBC Companies, Inc.
State: FL

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding my federal student loan that is currently being serviced by : Nelnet. I am requesting the CFPBs assistance because the servicer has been unable or unwilling to provide documentation proving that I authorized or consented to the consolidation of my original XXXX federal student loans. 

Summary of Issue : -My original federal student loans were opened in XXXX. 
-These loans were allegedly consolidated in XXXX into a new Direct Consolidation Loan. 
-I never requested, submitted, or signed a consolidation application. 
-I have contacted my loan servicer and requested proof of : -My signed or electronically submitted consolidation application -Any documentation showing I authorized or consented to the consolidation Records of my request for consolidation The servicer has not provided any proof that I initiated or agreed to this loan. Without proper documentation, this consolidation loan is not verified and is being inaccurately reported on my credit reports as an authorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was closed with XXXX dollars in it they took 5 months to send me a closure check wen they sent the check I tried to cash it the bank said it had insufficient funds in the account I never received my money from chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an
account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted American Credit Acceptance to set up a payment arrangement. The representative confirmed that my payment would be drafted on XX/XX/XXXX and asked for my card information only to secure that arrangement. At no point did I authorize a payment to be taken on XX/XX/XXXX. As part of this arrangement, I was also told that my XXXX and XXXX payments would be moved to the end of my contract. 

The following day, I checked my bank account and discovered that XXXX withdrew a payment on XX/XX/XXXX without my authorization and before the agreed arrangement date. I immediately contacted the company to dispute the charge. A supervisor acknowledged the mistake and said the refund would be returned to my card by Monday or Tuesday, XX/XX/XXXX. 

When I contacted the company again, I was informed that the refund was denied, even though the payment was taken outside of the agreed arrangement date. I was also told that if they issued the refund, my arrangementincluding moving XXXX and XXXX payments to the end of the contractwould be canceled. I believe this is improper, misleading, and violates the agreement made on XX/XX/XXXX. I am requesting assistance in obtaining the refund for the unauthorized withdrawal and ensuring that the original arrangement is honored in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-02 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: OH

Complaint narrative:
I am filing this complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ) related to the illegal reinsertion of fraudulent accounts on my credit report after those accounts had been previously deleted. 

TransUnion previously investigated these accounts and removed them from my credit file as inaccurate and fraudulent. However, without notifying me and without providing the legally required certification from the furnisher that the accounts were complete and accurate, TransUnion reinserted the same fraudulent accounts back onto my credit report in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This section of the FCRA requires that, before reinserting any previously deleted account, the consumer reporting agency must : Obtain written certification of accuracy from the data furnisher ; and Provide written notice to the consumer within five ( 5 ) business days of reinsertion. 

TransUnion failed to provide me with any certification of accuracy and failed to notify me of the reinsertion as required by law. 

In response to these violations, I sent TransUnion a formal Pre-Arbitration Notice and a Sworn Declaration of Fraud and Re-Insertion Notice Violation. In those documents, I asserted that : The accounts are fraudulent and the result of identity theft ; TransUnion had already determined the information was inaccurate ; The reinsertion was illegal under federal law ; Continued reporting constitutes willful non-compliance and defamation of my credit character. 

To date, TransUnion has not produced any proof of legal certification, has not deleted the reinserted accounts, and continues to report inaccurate, damaging, and defamatory information.

As a result of TransUnions actions, I have suffered adverse credit impacts, emotional distress, and reputational and financial harm, including but not limited to credit denials and increased interest rates. 

I am demanding the following resolution : Immediate deletion of all reinserted fraudulent accounts Permanent blocking of these accounts from future reporting Written proof of certification if TransUnion claims reinsertion was lawful Correction of my credit file and score Confirmation of compliance with FCRA 1681i ( a ) ( 5 ) ( B ) If TransUnion fails to comply, I am prepared to pursue all available legal remedies, including arbitration and civil litigation for willful FCRA violations, statutory damages, actual damages, punitive damages, and attorneys fees.

This is a good-faith attempt to resolve this matter through the CFPB before proceeding with further legal action. 

Thank you for your attention to this matter.

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