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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: DE

Complaint narrative:
XXXX accessed my personal XXXX financial data through the Department of education!! 
MY personal XXXX financial information was compromised without my authorization. 
the XXXX XXXX XXXX XXXX Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX XXXX your responsibility XXXX safeguard my information. 
Given the severity of this breach XXXX the resulting compromise of my personal XXXX financial information, I request that you immediately cancel XXXX discharge my student loan debt in full.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX accessed my personal XXXX financial data through the Department of education!! 
MY personal XXXX financial information was compromised without my authorization. 
the XXXX XXXX XXXX XXXX Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX XXXX your responsibility XXXX safeguard my information. 
Given the severity of this breach XXXX the resulting compromise of my personal XXXX financial information, I request that you immediately cancel XXXX discharge my student loan debt in full.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is skirting around the issue. The first time I called them they said that the amount of time had past ( when it actually had NOT ), to file this dispute of unauthorized charges on my credit card, the second time ( see CFPB case number:XXXX ) they claimed that it " looked like '' this CFPB claim was not file by me when they never even bothered to reach out to me, and then the most recent time ( see CFPB case number : XXXX ), they " claim '' they investigated and the charges are valid. The fact is that the charges are not valid and I would like to know how they " verified '' this, when I know for a fact that these charges were not authorized. Additionally capital one has retaliated against me for filing this claim. Capital one is treating the CFPB system like its the XXXX where all they need to do is respond to the claim in order to get this to go away.

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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am submitting this CFPB complaint regarding multiple fraudulent accounts and hard inquiries on my Equifax credit report as a result of identity theft. I did not apply for or authorize the accounts or inquiries listed. These items were opened and/or reported without my knowledge or consent. 

The fraudulent accounts include : XXXX XXXX XXXXXXXX XXXX XXXXXXXX credit card accounts with balances of {$1100.00}, {$280.00}, and {$260.00} XXXX XXXX XXXX XXXX XXXX account with a balance of {$4500.00} Fraudulent hard inquiries appearing on my Equifax report include : XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These items were not initiated by me and are the result of identity theft. I have already submitted an FTC Identity Theft Report ( Report # XXXX ) to support my claim. Please see the attached FTC report and supporting screenshots from XXXX XXXX.

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: 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 In accordance with the fair credit reporting act, public law 91-506, Title VI section 611. 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 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: GA

Complaint narrative:
The reporting creditor is furnishing derogatory information to the consumer reporting agencies in violation of numerous federal laws. This account has been inaccurately reported in a manner that causes harm and defames my character, reputation, and financial credibility. 
Specifically, the creditor and the credit bureaus are in direct violation of : - Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) - 15 U.S. Code 1681i ( a ) - 15 U.S. Code 1681e ( b ) - Title 18 U.S. Code 1001 - Title 18 U.S. Code 894 - Uniform Commercial Code 3-501 ( b ) ( 2 ) - 15 U.S. Code 1681b I have never been provided a signed, verifiable credit agreement bearing my wet-ink signature, nor any lawful proof of an obligation to pay. The reporting entity has not complied with lawful requests for validation. This results in continued unauthorized reporting that causes me harm and is being done without permissible purpose.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing XXXX dispute the following inaccurate XXXX unverifiable information on my credit report. I have attached copies of document XXXX request letter XXXX support my claim.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing XXXX dispute the following inaccurate XXXX unverifiable information on my credit report. I have attached copies of document XXXX request letter XXXX support my claim.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX 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, XXXX 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 XXXX 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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I signed up for XXXXXXXX XXXX and right away fraudulent charges were happening from my debit card. Navy Federal never once notified me of the fraud. Weeks went by and at the very least XXXX was drained from my bank account over the course of less than 4 weeks. They refused to reimburse me when the charges were obviously fraudulent. XXXX XXXX and didnt leave the house for over a week when some of those charges were multiple transactions every single day. Someone got my card details after signing up for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: EQUIFAX, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
When the car was repossessed, I tried to buy the car back a few days afterwards. The company proceeded to tell me that they already sold the car. They should not be charging me for a car that they sold to someone else, that they wouldn't resell to me/ or give me a chance to get it back.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was looking on my credit report and noticed unrecognized inquriries that were not authrozied nor consented by me. 
Please remove them from my credit report according to the Fair Credit Reporting Act, FCRA

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking on my credit report and noticed unrecognized inquriries that were not authrozied nor consented by me. 
Please remove them from my credit report according to the Fair Credit Reporting Act, FCRA

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking on my credit report and noticed unrecognized inquriries that were not authrozied nor consented by me. 
Please remove them from my credit report according to the Fair Credit Reporting Act, FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account belongs to spouse. We have been separated for over XXXX yrs. Company has not proceeded to remove account from my record. Spoke to them over the phone multiple times and they agreed to remove but It's still affecting my credit score and has not been removed

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: CCS Financial Services, 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation