vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of 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 explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
The inaccuracies on my credit report are directly obstructing my ability to achieve financial stability. Ive been repeatedly denied credit opportunities as a result of these errors, and its deeply frustrating to see my rights as a consumer being disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was informed via email that an application for a credit card was approved and that I would receive the card in the mail in 5-7 days. I immediately called the company and let them know I did not apply for the card and they closed the account. I asked if they would be able to provide information on how the card was applied for, but no one I spoke to was able to provide that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX 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 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fifth Third Bank informed me in XX/XX/year>XXXX  that I owed them {$1900.00} due to " interest charges '' on " missed '' payments. I only had 1 missed payment that I had already taken care of with the added interest. I was informed I had missed 2 payments 2 years ago and that is why they are saying I owed that money and that they were going to repossess my car and that it was already in repossession status and that the bank could come take my car at any time until I paid the balance. 

I felt forced to pay the money I didn't owe, and DID pay it just for them to be able to confirm my car was no longer in repossession status. 

I am so appalled they are still wrongfully triggering auto repossessions and stealing money that is not owed to them. It is absolutely disgraceful. This bank should be held accountable for their wrongful actions to innocent customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unverifiable late payment ( s ) being reported on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as furnished to one or more credit reporting agencies EQUIFAX ). Despite multiple attempts to resolve this matter directly, the information continues to be reported without legally sufficient validation and in clear violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Details of Violation : The alleged late payment ( s ) have been disputed in writing to both the credit bureaus and the original furnisher.

Neither party has provided any of the federally required supporting documentation, including : Advance billing statements showing 21-day notice prior to delinquency ( TILA requirement ).

Full payment ledgers. 

Complete Metro 2 coding to validate date of delinquency and payment status.

Affirmative proof that the account and alleged late payments are mine and are being reported with accuracy, completeness, and timeliness.

This is a direct violation of the following federal laws : 15 U.S.C. 1681i Failure to reasonably investigate a consumer dispute.

15 U.S.C. 1681s-2 ( b ) Furnisher obligations upon notice of dispute.

15 U.S.C. 1666 ( TILA ) Billing and notice requirements.

15 U.S.C. 1681n Willful noncompliance with FCRA, entitling me to statutory damages of {$1000.00} per violation. 

Additionally, their failure to provide verifiable proof after receiving a written complaint suggests either negligence, data mismanagement, or willful disregard for federal consumer protection laws. The continued reporting of this unverifiable derogatory information has caused harm to my creditworthiness, created barriers to financial opportunities, and exposed me to reputational damage. 

This complaint is being submitted in good faith, but I will not hesitate to pursue additional remedies in small claims court under 15 U.S.C. 1681n if this issue is not resolved promptly. I am entitled to statutory damages, and I am prepared to file additional complaints with the FTC, State Attorney General, and other appropriate regulatory bodies if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CHERRY TECHNOLOGIES INC.
State: GA

Complaint narrative:
CHERY TECH has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Us department of education 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 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Us department of education 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 2025-07-09 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: GA

Complaint narrative:
XX/XX/year> there was a cash advance to a XXXX XXXX from, My Credit Card, On XXXX XXXX my personal account had fraudulent activities witch Navy Federal was able to recover the funds from XXXX XXXX, I have sent in police reports to them that shows XXXX is wanted for bank fraud! I have disputed this at least 3 times and it keeps being denied, i have recorded conversation stating they where able to recover the funds, or why would they take moneys out of someone account if they didn't suspect fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
Dispute of Alleged Debt, Account Number Ending in XXXX Dear Sir or Madam, I am writing to formally dispute an alleged debt that Northstar Location Services , LLC claims I owe, reportedly originating from XXXX XXXX associated with a debit card account ending in XXXX. 

This is the third collection agency, following XXXX and another unnamed agency, attempting to collect this alleged debt. I am requesting verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ) due to the following concerns : 1. Multiple Collection Agencies : This is the third agency claiming to collect this alleged debt, which calls its validity into question. Neither XXXX nor the prior agency provided sufficient documentation to substantiate this claim. 
XXXX. Overdraft Limit Violation : My XXXX XXXX  account agreement explicitly limited overdrafts to a maximum of - {$100.00}. I have no recollection of authorizing or incurring charges that would exceed this limit, nor have I received documentation explaining how the alleged debt associated with the account ending in XXXX accumulated beyond this threshold. 

Under the FDCPA, I request that you provide validation of the alleged debt for the account ending in XXXX. Specifically, I request : A copy of the original XXXX XXXX  account agreement that I signed, specifying the overdraft limit of - {$100.00} and any terms allowing charges beyond this limit. 
A detailed account statement showing the origin, itemization, and calculation of the alleged debt, including all transactions leading to the claimed overdraft amount. 
Proof that Northstar Location Services , LLC is authorized to collect this debt on behalf of XXXXXXXX XXXX 
Documentation verifying that this debt, associated with the account ending in XXXX, is accurately associated with me. 
Details of all prior collection attempts by other agencies for this debt, including dates and outcomes. 

Until this debt is validated, I dispute its validity in its entirety and request that you cease all collection activities, including reporting this debt to credit bureaus. If this debt has already been reported to credit reporting agencies, I demand that you immediately notify them of this dispute and request its removal pending validation. 

Please provide the requested validation within 30 days, as required by the FDCPA, and send all correspondence to my current address listed above. 

Be advised that I am keeping detailed records of all communications regarding this matter and will not hesitate to pursue my rights under federal and state law if necessary. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
IM DEMANDING Original Creditor, Balance Owed :, Date Opened, date of first delinquency, CHAIN OF TITLE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Acct # XXXX XXXX Balance {$1500.00} Subject : Formal Student Loan Dispute and Request for Documentation Under FCRA, FDCPA, and FERPA To Whom It May Concern, I am formally disputing the validity and reporting of a student loan account that appears under my name. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Family Educational Rights and Privacy Act ( FERPA ), as applicable.

I request the following documentation to verify the legitimacy and enforceability of the alleged student loan : 1. A complete and signed copy of the Master Promissory Note ( MPN ) associated with this loan. 
XXXX. The full chain of assignment, including all transfers and sales of the account from the original lender to the current servicer or creditor, with dates and signatures.

3. Account-level documentation, including a full payment history, interest calculations, fees, and any deferments or forbearance records applied to the loan.

4. The forward flow agreement or purchase/sale agreement that governs the relationship between the originator and current servicer/owner, to determine whether you have standing to collect or report this account. 
5. A copy of the authorization under FERPA allowing you to share my student information, including loan data, with any third-party debt collector or credit reporting agency.

Until this information is provided and the debt is properly validated, I request that you : Cease all collection efforts, including phone calls and written communications.

Cease any reporting to credit reporting agencies.

Conduct a full investigation into the accuracy and legality of this account.

Please consider this letter a formal request for validation under 15 U.S. Code 1692g and a consumer dispute under 15 U.S. Code 1681i. 

I expect a full response within 30 days of receipt of this letter. If you are unable to provide the requested documentation, I request that the account be removed from all credit reporting agencies and that any collection activity be ceased immediately. 

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 non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
My credit report has several inaccuracies reporting

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 2025-07-09 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation