vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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 kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute to Equifax regarding the XXXX XXXX XXXX account, including documentation proving the reported status was inaccurate. Equifax failed to respond or correct the information within the 30-day FCRA-mandated window. 

After following up with another dispute due to their non-response, Equifax abruptly added a vague Reinvestigation in Progress remark on XX/XX/year>. Two days later, my credit score dropped by XXXX points with no clear explanation, no removal of the disputed tradeline, and no supporting documentation verifying its accuracy. 

This feels retaliatory and unjust. My score dropped drastically after I held them accountable for not complying with FCRA timelinesand the disputed tradeline remains on my report with no resolution or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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 have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. My address is and has always been XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX. I have requested that each of the credit reporting agencies remove the address of XXXX XXXX XXXX, XXXX XXXX XXXX, as it is a fraudulent address, and they have not done so. I am requesting that the CFBP investigate this matter. Also there is a fraudulent account XXXX XXXX XXXX account number XXXX, that must be removed and blocked from my credit report, as this is not my account and I have never allowed anyone to open this account in my name using my personal information.

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 2025-07-27 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: TX

Complaint narrative:
b'I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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 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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted on a closed account.... In Texas , the key code sections for addressing inaccurate debt information on your credit report are Texas Finance Code 392.202 and the Fair Credit Reporting Act ( FCRA ). These laws outline the procedures for disputing errors and ensuring that credit reporting agencies and debt collectors investigate and correct inaccurate information. In Texas, the key code sections for addressing inaccurate debt information on my credit report are Texas Finance Code 392.202 and the Fair Credit Reporting Act ( FCRA ). These laws outline the procedures for disputing errors and ensuring that credit reporting agencies and debt.

Collection Practices Act ( FDCPA ) grants me the right to dispute the debt and request verification from the debt collector. This debt is inaccurate, XXXX can not recover a debt that has been sold to another company or recover that debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
For almost a year now I have been receiving calls from debt collectors for a Best Buy credit with CBNA - Citi Bank. I have even made payments thinking they were calling me about a Best Buy CBNA card I do have. I have been caring for my Mom XXXX with XXXX and even though I pay my bills on the first of the month, I would pay the bill due to the stress and lack of time I had in taking care of my needs. It was all about caring for my Mom. 

When I received a call from a debt collector for Best Buy Citi Bank saying they hadn't received a payment from me in months, there was a balance of over {$1800.00} owed. It was discovered that this credit card was issued to someone else residing in XXXX, TX. Again, not having the necessary time I trusted that it was being handled accordingly. 

I checked my XXXX XXXX  account months later and noticed that the ficticious Best Buy credit card was still showing up on my credit report as a derrogatory account and my credit score had dropped significantly. I filed a dispute through XXXX XXXX 

I also contacted CBNA explaining the situation and thought they were handling it on their end. 

Since that time I had XXXX XXXX XXXX. Taking me away being able to follow up. On XX/XX/year> XXXX with " XXXX XXXX XXXX '' for CBNA Best Buy called to collect a debt. Clearly everything I had done up to the point was never handled. I opened up a case with XXXX XXXX XXXX XXXX and CBNA. The reference # : XXXX. 

The XXXX XXXX dispute # : XXXX with XXXX 

I also contacted XXXX  Case # 's : XXXX and XXXX who recommended I file a report with FTC so I could sent a report to XXXX along with my driver 's license. 

My credit score is down, I now have credit card companies closing my accounts with them due to this horrific situation. 3 in fact.

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 monetary relief
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 2025-07-27 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: Certegy Holdings, LLC
State: MO

Complaint narrative:
There is a legal document and court order below showing that a amount they are losing on my reports was dismissed and that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently found some discrepancies on my credit profile that isn't accurate and does not belong to me. Things such as, my personal home address, phone number, and my governmental name, etc. that's posted on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I recently found some discrepancies on my credit profile that isn't accurate and does not belong to me. Things such as, my personal home address, phone number, and my governmental name, etc. that's posted on 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 explanation
Consumer complaint received 2025-07-27 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding my auto loan account with Regional Acceptance Corporation. My vehicle was repossessed, and I have made multiple attempts to obtain documentation related to the repossession, including : A written notice of repossession Details about the timing and reason for the repossession Records of the vehicles sale or auction ( date and amount ) A full breakdown of any alleged deficiency balance Despite written requests to the company, I have not received any of the documentation required for me to verify the debt or understand the charges being claimed. The company has not responded adequately, and I am unable to confirm whether the amount claimed is accurate or lawful. 

This lack of transparency is interfering with my ability to resolve the matter and may represent a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), especially if they are continuing collection activity or reporting the debt to credit bureaus without proper documentation. 

I am requesting CFPB assistance in compelling Regional Acceptance Corporation to provide the full records of the repossession and any deficiency balance calculation, and to pause collection activity or correct any inaccurate reporting until this matter is resolved.

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 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My car was repossessed under questionable and possibly illegal circumstances, and I have experienced severe miscommunication, lack of proper notice, and financial loss due to mishandling by Chase Auto and XXXX XXXX XXXX. 

My vehicle was repossessed in XXXXXXXX XXXX  from a locked private parking lot underneath my building. The company that repossessed the car was XXXX XXXX XXXX. I do not believe they had legal access or permission to enter this gated lot. 

When I went to retrieve my personal items from the vehicle at XXXX 's facility, their workers were extremely rude and careless, throwing my belongings into a large bag. I noticed visible damage on both the left and right side of my car, which I believe occurred during repossession or while it was in their lot. 

The original cause of repossession was due to monthly payments being denied repeatedly, despite showing as successful in the Chase app. A few days after payment, they would get reversed without explanation. 

I then attempted to make cash payments directly at a Chase bank branch, which worked twice, but afterwards, the branch employees could not locate my account to process future payments. 

I visited the branch at least 7 times, and each time, I was told they were " working on fixing the issue '' and not to worry. 

On XX/XX/year>, I received an email from Chase warning about potential repossession. I brought this to the branch 's attention and they assured me my car would NOT be repossessed. 

After the repossession, I contacted Chase Auto multiple times, and was told I needed to pay approximately {$8500.00} to recover the car. I informed them I didnt have that amount immediately, and Chase assured me that they would hold the vehicle until I was able to pay. 

Due to a family emergency, I had to travel to XXXX and stayed there for about 4 months. Upon returning to the U.S., I received no prior notice or communication but found a letter stating my car was sold, and I now owe {$15000.00} to Chase. 

My original auto loan was {$85000.00}. I made two full years of payments at $ XXXX. 

The vehicle was in perfect condition with only XXXX miles, yet it was apparently sold for such a low price that I still owe {$15000.00}. 

I never received any communication ( email or mail ) between Chase telling me they were working on fixing my account and the notice that my car was sold. 

Was the repossession legal, given it was from a private locked parking area? 

Can Chase be held responsible for payment processing failures, resulting in an unjust repossession? 

Why did Chase fail to notify me properly before selling the vehicle? 

Was the vehicle sold at fair market value? If not, I need to understand why and how the {$15000.00} balance is justified. 

I request a full investigation into Chase Autos and XXXX handling of this matter, and any possible financial remedy or debt relief given the mishandling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
As of XXXX XXXX collection agency National Credit Systems placed an inaccurate collection on my credit report from a former landlord for {$1300.00}. Neither the agency National Creditors nor the landlord XXXX XXXX XXXX XXXXontacted me prior to placing a collection on my credit report. I did not receive a bill or collection notice via a phone call, email, US or US postal mail. I was not given the opportunity to dispute charges. I video recorded myself returning keys to landlord, giving them a forwarding address, and signing that I was vacating lease after 3 weeks due to bug infestation inside and outside unit. I was owed a {$480.00} credit and a {$900.00} security deposit. The property did not refund me or contact me using the information that I provided. My phone number has not changed. More than a year later, my only notification is an alert from the credit bureau.

Company response to consumer: Closed with explanation