vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXXXXXX XXXX XXXX  High Balance : {$0.00} Account Number:XXXX Date : XX/XX/XXXXXXXX  Duration : 7 years XXXX XXXX XXXX High Balance : {$22000.00} Account Number:XXXX Date : XX/XX/XXXXXXXX  Duration : 7 years XXXX High Balance : {$7200.00} Account Number:XXXX Date : XX/XX/XXXXXXXX  Duration : 7 years XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) High Balance : {$780.00} Account Number:XXXX XXXX XXXX XXXXXX/XX/XXXX Duration : 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MS

Complaint narrative:
Several accounts on my credit report are missing critical information such as payment history, original creditor details, or accurate opening dates causing confusion and misrepresentation of my credit history. This incomplete data misleads lenders and undermines the fairness and accuracy guaranteed under FCRA 602 ( A ).

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 2025-08-06 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX  XXXX Balance {$2600.00} XXXX  XXXX bankruptcy dismissed XXXX Filed on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX  XXXX Balance {$2600.00} XXXX  XXXX bankruptcy dismissed XXXX Filed on XX/XX/year> XXXX Inquired on XX/XX/year> 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 2025-08-06 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 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 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 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
XXXX XXXX will allow me to settle my debt with them. They said I have to go through a third-party company called Penn credit but Penn credit wont allow me to settle my debt amount that I believe is incorrect. When I asked them to just settle out for the correct debt they told me XXXX XXXX wont allow them, but then XXXX XXXX wont allow me too pay them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. 
Account XXXX Exeter finance llc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX  - XXXX XXXX U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to pay XXXX XXXX for XXXX massage. 
The merchant ran my credit card three separate times for {$64.00} each. Each swipe produced an error message. 
The attendant then claimed the terminal was down and demanded a {$120.00} XXXX transfer, which I sent immediately. 

When my statement posted on XX/XX/year> I saw the XXXX {$64.00} charges in addition to the {$120.00} XXXX paymentfour payments for a single service. 

I also discovered an earlier, unexplained {$120.00} charge dated XX/XX/year> from the same merchant. I never received goods or services on that date. 

I disputed all XXXX charges with Navy Federal on XX/XX/year>. The credit-union denied the dispute, citing only purchase history, and refused to provide the investigation file required by the Fair Credit Billing Act and Regulation Z 1026.13 ( f ).

I appealed twice through Navy Federals secure-message center, pointing out that the claim had been mis-classified as a debit-card dispute and requesting : ( 1 ) the full investigation file ; ( 2 ) correction of the product code ; and ( 3 ) provisional credit. The credit-union has acknowledged the appeal but provided no documents, no provisional credit, and no timetable for resolution.

I am seeking reversal of the three {$64.00} charges and the two {$120.00} charges ( total {$430.00} ), removal of any related interest or fees, and production of the complete investigation file. Navy Federals failure to provide required documentation and timely resolution violates the billing-error procedures of the Fair Credit Billing Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$640000.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Payment history : XX/XX/XXXX XXXX XXXX days, XXXX, XXXX, XXXX [, XXXX, XX/XX/XXXX XXXX XXXX days, XX/XX/XXXX XXXX XXXX days : XX/XX/XXXX XXXX XXXX days, XX/XX/XXXX XXXX XXXX days, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX days ONEMAIN XXXX Balance {$12000.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX Payment History : XX/XX/XXXX late XXXX  days, XX/XX/XXXX late XXXX  days XX/XX/XXXX late XXXX days, XXXX. XXXX late XXXX days, XXXX. XXXX late XXXX  days, XXXX XXXX late XXXX days, XX/XX/XXXX late XXXX. XX/XX/XXXX late XXXX  days XXXX XXXX XXXX Balance {$3400.00} Late XXXX days XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance $ XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/XXXX Payment History : XXXX XXXX late XXXX days XXXX XXXX XXXX XXXX XXXX Balance $ XXXX up

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 2025-08-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-06 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Date : [ Todays Date ] Experian XXXX XXXX XXXX XXXX, TX. XXXX Subject : Formal Dispute Fraudulent Account XXXX XXXX Acct. No. : XXXX {$1900.00} To Whom It May Concern, I am formally disputing the accuracy of an account reporting on my Experian credit report under the name XXXX XXXX, Account No. XXXX, with a balance of {$1900.00}. I do not recognize this account, I have never applied for or opened any account with XXXX XXXX, and I have no contractual or financial relationship with this entity. 

I have already filed an FTC Identity Theft Affidavit Report documenting this as an incident of identity theft. Under the Fair Credit Reporting Act ( FCRA ), you are required to block and delete any information resulting from identity theft upon receipt of appropriate proof. 

The following FCRA provisions apply : 15 U.S.C. 1681c-2 ( FCRA 605B ) You must block the reporting of any information that the consumer identifies as resulting from identity theft and provide notice of that action to the furnisher.

15 U.S.C. 1681i You must reinvestigate any disputed information and delete it if it can not be verified as accurate.

15 U.S.C. 1681e ( b ) You must maintain reasonable procedures to assure maximum possible accuracy in consumer reports.

31 U.S.C. 5118 Prohibits enforcement of certain obligations inconsistent with federal statutes. 
Because this is a case of identity theft, TransUnion is prohibited from continuing to report this account once you have been provided with an FTC Identity Theft Affidavit and supporting documentation. 
Demand : Permanently delete the XXXX XXXX account in the amount of {$1900.00} from my Experian credit report. 
Provide written confirmation of the deletion. 
Notify the furnisher that this account has been removed and blocked from my credit file pursuant to FCRA 605B. 
I have enclosed : My FTC Identity Theft Affidavit Report ; A copy of my government-issued photo ID ; Proof of my current address. 
Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Attorney Generals Office for willful noncompliance under FCRA 616 and 617. 
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 2025-08-06 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:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-08-06 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: MD

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc.
State: LA

Complaint narrative:
Subject : False Collection Reporting by XXXX XXXX at XXXX for Paid Maintenance Fees Product : Other consumer loan or financing Issue : Incorrect charges or terms Details of the Complaint : I am filing a complaint against XXXX XXXX at XXXX for false reporting of a debt to collections that I already paid in full, which puts my credit score and financial reputation at risk. 

On XX/XX/year>, I paid my 2025 maintenance fee in the amount of {$1200.00}, which was processed and posted to my account on XX/XX/year>. Despite this, I received a notice from Aspen National Collections claiming that I owed this exact fee and that my account had been sent to collections. 

I contacted XXXX XXXX and spoke with a representative on XX/XX/year>, who confirmed that this was a mistake made by their accounting department, that my account had a zero balance, and that I should not have been sent to collections. Despite this acknowledgment, no corrective action has yet been taken. 

This false reporting is harmful and could negatively impact my credit report. I am now forced to take extra steps to dispute this with the collection agency and ensure that it is not reported to the credit bureaus. 

I am requesting the CFPB to intervene and assist with the following : XXXX. Ensure XXXX XXXX formally removes my account from Aspen National Collections. 
XXXX. Ensure no negative marks are made on my credit report regarding this matter. 
XXXX. Confirm that I receive written documentation of my accounts zero balance and removal from collections. 

This matter is urgent, and I am asking for assistance to ensure this error does not impact my financial health. 



Business Name : XXXX XXXX at XXXX Phone : ( typically listed on correspondence ) Website : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief