vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
Subject : Request for Validation and XXXX XXXX XXXX XXXX Transunion Account Number : XXXX, Equifax and Experian Account number XXXX. 
-- Dear credit bureaus, I am writing to formally dispute and request validation of an account being reported by XXXX XXXX, listed under account number XXXX on my TransUnion credit report & account number XXXX on my equifax and experian credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681e ( b ), I am requesting : Proof that this alleged debt belongs to me, including any original signed agreements. 


Documentation proving I was properly notified of the debt. 


A detailed explanation of the investigation process conducted to verify the accuracy of this entry. 


Please consider this a formal dispute. If verification can not be produced, I request immediate removal of the account from my credit report and a written response confirming the deletion.

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 2025-05-07 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I applied for an XXXX XXXX account through Comenity Bank. Due to an active fraud alert on my credit file, the representative encountered difficulties pulling my credit report, resulting in multiple hard inquiries. Despite being assured by XXXX XXXX representatives that these inquiries would consolidate into a single entry under the standard credit reporting rules, XXXX separate inquiries appeared on my XXXX  credit report, dated : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I contacted XXXX XXXX ( Comenity Bank ) regarding this error and requested that the duplicate inquiries be removed, as they are negatively impacting my credit score. I was told that these inquiries would be consolidated, but this did not occur. 

On XX/XX/year>, I filed a dispute with XXXX  to request the removal of these duplicate inquiries. XXXX  informed me that the dispute could not be resolved through their system and advised me to file a complaint directly with the Consumer Financial Protection Bureau ( CFPB ) to address the issue with XXXX XXXX ( Comenity Bank ). 

I am formally requesting the immediate removal of the duplicate hard inquiries, as these were not separate credit applications and should be reported as a single inquiry under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB MANAGEMENT SERVICES, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX NCB Management Services XXXX Has received XXXX dispute letters about the inaccurate information and has yet to delete this account off of my credit profile. They have reported a duplicate copy of the account so that it looks like XXXX different accounts. This account was removed from my other credit reports due to the inaccurate information and the duplication of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
This account is fraudulent under FCRA Section 605B. I am a victim of identity theft. I did not open this account. i would like this account to be removed from my 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I noticed the bureau is reporting this account and it is past the statue of limitation for debt collection. Under 15 U.S.C. 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are prohibited from reporting accounts that are beyond the applicable statute of limitations for collection. As I reside in the state of XXXX, the statute of limitations for collecting debts is XXXX years per XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

The bureau has failed to investigate and provide documentation regarding this matter according to 15 U.S.C. 1681i.

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 2025-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: CT

Complaint narrative:
WestLake Financial SVC Account XXXX This account was settled and paid, and in my credit report, that was pulled on XX/XX/XXXX ( I have a copy ) It states that this account with West Lake Financial SVCS, the account and amount owed of {$4400.00}, was PAID. There is nothing further owed on this account.

A credit report was pulled as of today, XX/XX/XXXX, the account is being reported as Past due owing {$3900.00}. This is incorrect since this account was paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
NOTICE WRITTEN and SWORN BY XXXX XXXX Expert Witness and Professional Service Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notes that authorization has been given to XXXX XXXX XXXX and XXXX XXXX XXXX to share the information of The Summary of Findings Premises The Promissory Note of the subject loan was not among the documents that were presented in this examination.The Security Deed shows that this loan was granted on XX/XX/XXXXXXXX XXXX XXXXXXXXThe parties are XXXX XXXX XXXX XXXX XXXX XXXX XXXX the borrowers and XXXX XXXX XXXXXXXX XXXX XXXXXXXX the originating lender.The Security Deed was executed on XXXX XXXX XXXX the parties are the borrowers and the and the the originating lender as grantee.MERS is not a party in this Security Deed.The Security Deed was recorded in XXXX XXXX XXXX on XX/XX/XXXX, XXXXIt could not be ascertained if the Promissory Note has been endorsed on the other hand the Security Deed has been assigned XXXX times after all the assignments were notified that the loan had been sold to BofA XXXX XXXX XXXXXXXX XXXX XXXXA Notice of Sale under Power Pertains to a Forclosure Sale of the Mortgage Property on XX/XX/year> Bank of America NA has XXXX XXXX Forclosure Sale Bank of America NA XXXX for BofA Merrill Lynch XXXX XXXX XXXX and now as Bank of America.Summary of Qualifications Acts as Expert Witness Pertaining to Forclosure Defense and Loan Litigation.

Signature Analysis Analyst Computer imaging algorithms analysis of image. Processes loan origination within various federal and state qualifying standards including appraisals, insurance and post -closing requirements.

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 2025-05-07 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: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should 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 2025-05-07 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: NY

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion regarding the XXXX XXXX account on my credit report. According to my records and the screenshot evidence, the dispute was in review as of XX/XX/XXXX and was resolved on XX/XX/year>, with TransUnion marking the dispute as denied. 

However, on XX/XX/year>, I received a Notice of Disposition from XXXX XXXX showing that the vehicle had been repossessed and sold on XX/XX/year>, with a resulting deficiency balance of {$10000.00}. This directly contradicted the {$13000.00} balance that TransUnion had reported and verified as accurate. 

In response to this new documentation, I submitted a second dispute on XX/XX/year>. Despite the clear and relevant update from XXXX XXXX, TransUnion again marked the dispute as resolved and denied it on XX/XX/year>. 

Critically, between XX/XX/XXXX and XX/XX/XXXX, the XXXX XXXX tradeline on my TransUnion credit report was quietly updated to reflect the corrected balance of $ XXXXmatching the amount stated in the disposition letter. This timeline proves that my dispute was valid and that the data being reported during both disputes was inaccurate at the time. 

This raises concerns about the adequacy of TransUnions investigation process. The second denial occurred after the information had already been corrected, which strongly suggests that my dispute was not thoroughly reviewed and that the bureau failed to act on updated, relevant data already available in their system. 

I am requesting that TransUnion reopen this dispute, acknowledge the failure to correct the information in a timely and accurate manner, and conduct a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). I also request that a clear record of this timeline be retained in my file to reflect that I challenged the account in good faith and that my concerns were ultimately validated by the creditors own update.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XXXX Navy Federal Credit Union made an unknown transaction for {$1500.00} for an undisclosed product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
I previously contacted the credit reporting agencies by phone and certified mail to request verification of these accounts. Despite being unverified, one or more of these accounts continue to appear on my credit profile. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681 No written consent was given to furnish this information.

15 U.S.C. 1681c-2 Reporting accounts resulting from identity theft is prohibited.

15 U.S.C. 1681e ( b ) Reporting unverifiable information fails the requirement for maximum accuracy.

These fraudulent entries are severely damaging my credit and financial opportunities. If these accounts are not removed within 15 business days, I will pursue monetary compensation of {$1000.00} per violation and take further legal action as permitted by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
I previously contacted the credit reporting agencies by phone and certified mail to request verification of these accounts. Despite being unverified, one or more of these accounts continue to appear on my credit profile. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681 No written consent was given to furnish this information.

15 U.S.C. 1681c-2 Reporting accounts resulting from identity theft is prohibited.

15 U.S.C. 1681e ( b ) Reporting unverifiable information fails the requirement for maximum accuracy.

These fraudulent entries are severely damaging my credit and financial opportunities. If these accounts are not removed within 15 business days, I will pursue monetary compensation of {$1000.00} per violation and take further legal action as permitted by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I took a look at my credit report and on XX/XX/XXXX, XXXX ive noticed an inaccurate late payment from EXETER . This account shouldve just been closed and no late payments should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
I have had over XXXX negative impacting items removed from my Transunion credit card report with ONLY a XXXX point increase. I have reached out to the credit bureau about this issue. A ticket was suppose to be put in to have this issue investigated and corrected within XXXX hours, it is not over XXXX week later with no results. I am attaching a few of the items below with the removal status that I was able to access. There are a few more that I can not access

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 2025-05-07 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: MOHELA
State: FL

Complaint narrative:
Mohela has been my loan servicer since registering for the XXXX XXXX XXXX XXXX program shortly after graduating ( previously was XXXX ). Regretfully, I have no direct evidence other than a note in my personal budget, my total balance has increased by over {$1000.00} despite being in forbearance with supposed 0 % interest ( {$34.00}, XXXX increased to {$35000.00} with no notification or awareness seemingly overnight ). In attempts to speak with a Mohela representative about this issue, I then get transferred to a " XXXX '' who can speak more on my claim but am never able to actually speak with this individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief