vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
18, XXXX XXXX Code, Section 1030, Please delete all collections off my credit report. All my information was stolen Im the data breach and all my sensitive information has been compromised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXX XXXX CLOSED XXXX BALANCED {$0.00} 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 XXXXXX/XX/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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This problem happened in XX/XX/XXXX. The dispute was with the XXXX XXXX XXXX XXXX. The amount related in this dispute was XXXX. 
I rent the apartment from the XXXX in XXXX and moved out on XXXX XXXX. At the time I moved out I went through the XXXX move out procedure to have their employee to go through move out and sign the move out sheet. When we did the move out review. Their employee and I went though the whole apartment together. There were two issues, one is related to the stains on the stove and the other is the small scratches on the floor. Their employee told me these shouldnt be a big issue they will have someone to fix. On XXXX XXXX. I received a letter from the XXXX and they asked me to pay XXXX. Out of this amount, XXXX was for the floor replacement. When I received this mail with the detail. They replaced the whole floor and asked me to pay for all of the new floor. These scratches are almost invisible. You can see it when you go deep into it. I went to the person who went through with me. He told me that was the decision from their corporate headquarters. He cant do anything about that and asked me to discuss with them. The I did reach out to them but they insisted me to pay for these amount. That was totally unacceptable. I told them I want to pay the reasonable amount but not the full amounts. After long negotiations, we couldnt reach the consensus. They threatened me that they would put this case to the collection company. After receiving letter from the collection company, I explained the whole case with them. Again they asked me to pay the full amount. Anyway, after a while, I paid them majority or close to the full amount.

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 2025-05-14 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: GA

Complaint narrative:
I am sending to formally address a late payment reported on my credit file for the account listed above. The late payment appears on my credit report and is negatively affecting my creditworthiness. I respectfully request a review and correction of this late payment under the applicable provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

XXXX XXXX BALANCED {$5100.00} XXXX XXXXXXXX BALANCED {$6200.00} XXXX XXXX BALANCED {$960.00} XXXX XXXXXXXX BALANCED {$940.00}

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding the inaccurate, unverified, and improperly reported debt information on my consumer credit reports. The reporting agencies and debt collectors involved have violated several federal consumer protection laws including : FDCPA 809 ( b ) : They failed to provide adequate debt validation upon request.

FCRA 1681i and 623 ( a ) : They continued reporting inaccurate information without proper investigation or dispute notations.

HIPAA 45 CFR 164.502 : Medical debt was shared with third-party debt collectors without proper authorization.

Despite my written disputes and requests for validation, the accounts remain on my credit report with incomplete or misleading information. I request a full investigation, deletion of unvalidated accounts, and penalties for any verified violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
This formal complaint is being filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand that Experian immediately block and remove a fraudulent account that is being inaccurately reported on my credit file. The information in question was not authorized by me, and I assert it is the result of identity theft. 

The fraudulent item currently appearing is : A credit card account with XXXX XXXX opened on XX/XX/year>, reflecting a balance of {$4200.00} Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this entry and require that Experian initiate a reinvestigation. As part of that process, I expect to receive complete details of how the account was verified, including the method of verification used and any original documents that were relied upon to determine its validity. If such evidence can not be produced, this account qualifies as prima facie fraudulent reporting and must be permanently deleted.

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 2025-05-14 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:
This formal complaint is being submitted under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand the immediate blocking and removal of fraudulent and unauthorized information currently being reported by Experian. These accounts were opened as a result of identity theft and are inaccurately linked to my consumer credit file. 

The following accounts are being falsely reported : A credit union account with XXXX opened on XX/XX/XXXX, with a balance of {$240.00} A second credit union account with XXXX opened on XX/XX/XXXX, with a balance of {$53.00} An auto loan account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a {$0.00} balance A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$960.00} Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), I am also invoking my right to a full reinvestigation of these entries. I am requesting that Experian supply me with the specific method of verification used to confirm the accuracy of each account and provide physical proof or original documents relied upon. If such evidence can not be provided, these items qualify as prima facie fraudulent and must be permanently deleted.

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 2025-05-14 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: MD

Complaint narrative:
Recently, I did an investigation on my consumer credit report and found several items on there to be inaccurate. Under 15U.S.code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15U.S.Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XX/XX/XXXX {$450.00} Collection/Charge off. XXXX XXXX XX/XX/XXXX {$900.00} Collection/Charge off. XXXX XXXX XX/XX/XXXX {$610.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$610.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$1500.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$850.00} ( Collection/Charge off ). XXXX XX/XX/XXXX {$3400.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$26000.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$8800.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$860.00} ( Charged off as bad debt Profit and loss write-off ). XXXX XXXX XX/XX/XXXX {$0.00} ( Charged off as bad debt Account information disputed by consumer, meets FCRA requirements ). XXXX XX/XX/XXXX {$830.00} ( canceled by credit grantor ). XXXX XX/XX/XXXX {$0.00} ( CLOSED ). XXXX XX/XX/XXXX {$0.00} ( Inactive account ), In addition to these accounts, I have also noticed the following hard inquiries that I did not Authorize XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
Recently, I did an investigation on my consumer credit report and found several items on there to be inaccurate. Under 15U.S.code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15U.S.Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XX/XX/XXXX {$450.00} Collection/Charge off. XXXX XXXX XX/XX/XXXX {$900.00} Collection/Charge off. XXXX XXXX XX/XX/XXXX {$610.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$610.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$1500.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$850.00} ( Collection/Charge off ). XXXX XX/XX/XXXX {$3400.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$26000.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$8800.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$860.00} ( Charged off as bad debt Profit and loss write-off ). XXXX XXXX XX/XX/XXXX {$0.00} ( Charged off as bad debt Account information disputed by consumer, meets FCRA requirements ). XXXX XX/XX/XXXX {$830.00} ( canceled by credit grantor ). XXXX XX/XX/XXXX {$0.00} ( CLOSED ). XXXX XX/XX/XXXX {$0.00} ( Inactive account ), In addition to these accounts, I have also noticed the following hard inquiries that I did not Authorize XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$190.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$17000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$6300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$30000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$56000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$9400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$23000.00} Open Date XX/XX/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 2025-05-14 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: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: DE

Complaint narrative:
Im filling a complaint against Transunion. I have been experiencing serious issues with my credit report maintained by Transunion. Over the course of several years, I have observed that the same debts are being reported by XXXX different companies, which has negatively impacted my credit score and overall creditworthiness. 

Specifically, I have identified that [ XXXX ] and [ XXXX XXXX XXXX ] are both reporting the same debts as if they are separate accounts. This duplication is incorrect because a single debt can not be owned or owed by XXXX separate entities simultaneously, nor can I be responsible for XXXX separate accounts for the same debt. 

Despite my efforts to dispute these inaccuracies directly with Transunion and the reporting companies, the issue has never been corrected. As a result, my credit report reflects multiple derogatory accounts for the same debt, which has caused my credit score to decline unjustly. This has also led to me paying higher interest rates and fees on loans, credit cards, and other financial products due to the artificially lowered credit score. 

This situation constitutes a clear violation of fair reporting practices, and I believe it is due to negligence or oversight by the reporting agencies. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that these accounts be deleted from my credit report. My credit report has been misrepresented for several years due to negligences as I previously disputed and Transunion verified the accounts. 
Please note the accounts uploaded are only a few of the accounts there are several more accounts not listed.

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 2025-05-14 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: NJ

Complaint narrative:
Hey Mr. Credit bureaus after multiple disputes about this account and asking you for reinvestigation. You are continuing falling to this. according to FCRA all information report to my credit report must to be accurate and correct. As I notified you multiple times this account ( XXXX XXXX XXXX XXXXXXXX ) Opened on XX/XX/XXXX and had a balance of {$400.00}. This account was paid in full on XX/XX/XXXX and closed, then month late this account was falsely re-open with a balance on it, which I had reported to you multiple and you still falling on the investigation, this account is affecting my credit score really bad and need to be remove immediately, according to FCRA all information on my credit report must to be accurate and correct, this is a clear violation on my FCRA, I will attached proof of my payment history and notification of Title lien release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
Hey XXXX XXXX XXXX  after multiple disputes about this account and asking you for reinvestigation. You are continuing falling to this. according to FCRA all information report to my credit report must to be accurate and correct. As I notified you multiple times this account ( XXXX XXXXL # XXXX ) Opened on XX/XX/XXXX and had a balance of {$400.00}. This account was paid in full on XX/XX/XXXX and closed, then month late this account was falsely re-open with a balance on it, which I had reported to you multiple and you still falling on the investigation, this account is affecting my credit score really bad and need to be remove immediately, according to FCRA all information on my credit report must to be accurate and correct, this is a clear violation on my FCRA, I will attached proof of my payment history and notification of Title lien release.

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