vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
This letter is sent in response to your attempt to collect a debt allegedly owed by me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, codified at 15 U.S. Code 1692g ( b ).

According to this law, I have the right to request that you provide verifiable documentation of the debt, including but not limited to : The name and address of the original creditor ; The full account number associated with the original account ; A detailed breakdown of the amount allegedly owed ( principal, interest, fees ) ; Copies of any written agreements or signed contracts bearing my signature ; Proof of your legal authority to collect on this account, including documentation of assignment or purchase ; A full chain of custody from the original creditor to your agency ; Your license information to collect in the state of Virginia ( if applicable ).

Be advised that until this information is provided and validated, you are not legally permitted to : Contact me further regarding this alleged debt ; Report this account to any credit reporting agency ; Pursue any form of collection activity.

If you fail to comply with this request and continue collection efforts, including credit reporting, you will be in violation of FDCPA and may be subject to enforcement action by the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

This is a formal notice that any attempt to collect a debt without proper validation constitutes harassment under federal law. You must cease collection activity until full validation is provided.

Please respond to this request in writing within 30 days of your receipt of this letter. If you are unable to validate the debt, the account must be deleted from my credit report and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-25 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, my credit score dropped XXXX points due to inaccurate and unfair reporting of seven separate 90-day late payments tied to one original student loan with the U.S. Department of Education XXXX serviced by XXXX. These seven accounts were artificially created by XXXX when they split my single {$10000.00} loan into multiple smaller loan accounts, despite this debt originating as one consolidated loan. The accounts currently showing derogatory marks are as follows : XXXX ( {$10000.00}, transferred/closed ), XXXX ( {$2400.00} ), XXXX ( {$1300.00} ), XXXX ( closed ), XXXX ( {$2200.00} ), XXXX ( {$1100.00} ), XXXX ( {$160.00} ), and XXXX ( {$990.00} ). All of these accounts are closed and no longer serve any credit purpose, and they should be permanently deleted as they were duplicatively created, causing my credit to reflect seven separate delinquencies rather than one. The open account reporting " 9 '' total loans should reflect only " 3 '' as seven of these stem from the same original loan, violating the Fair Credit Reporting Act ( FCRA ) 602 ( A ) requirement for accurate, fair reporting and the Consumer Financial Protection Act protections against unfair, deceptive, or abusive acts and practices ( UDAAP ). 

I made multiple calls to XXXX requesting that my payments be allocated toward the smaller loan balances to expedite payoff and avoid this type of damage to my credit, but XXXX failed to follow my instructions and refused to explain why the single loan was fragmented into seven parts. These actions resulted in unfair reporting, where I was penalized as if I missed XXXX payments when the obligation was, and remains, one single loan. These seven tradelines were also near the XXXX reporting limit under FCRA XXXX XXXX a ), and the transfer from XXXX. of XXXX to XXXX appears to have been used to " re-age '' and extend the life of the derogatory accounts, which is not permissible under FCRA 623 ( a ) ( 5 ) as it constitutes inaccurate re-aging of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
On XX/XX/year>, my credit score dropped XXXX points due to inaccurate and unfair reporting of seven separate 90-day late payments tied to one original student loan with the U.S. Department of Education XXXX serviced by XXXX. These seven accounts were artificially created by XXXX when they split my single {$10000.00} loan into multiple smaller loan accounts, despite this debt originating as one consolidated loan. The accounts currently showing derogatory marks are as follows : XXXX ( {$10000.00}, transferred/closed ), XXXX ( {$2400.00} ), XXXX ( {$1300.00} ), XXXX ( closed ), XXXX ( {$2200.00} ), XXXX ( {$1100.00} ), XXXX ( {$160.00} ), and XXXX ( {$990.00} ). All of these accounts are closed and no longer serve any credit purpose, and they should be permanently deleted as they were duplicatively created, causing my credit to reflect seven separate delinquencies rather than one. The open account reporting " 9 '' total loans should reflect only " 3 '' as seven of these stem from the same original loan, violating the Fair Credit Reporting Act ( FCRA ) 602 ( A ) requirement for accurate, fair reporting and the Consumer Financial Protection Act protections against unfair, deceptive, or abusive acts and practices ( UDAAP ). 

I made multiple calls to XXXX requesting that my payments be allocated toward the smaller loan balances to expedite payoff and avoid this type of damage to my credit, but XXXX failed to follow my instructions and refused to explain why the single loan was fragmented into seven parts. These actions resulted in unfair reporting, where I was penalized as if I missed XXXX payments when the obligation was, and remains, one single loan. These seven tradelines were also near the XXXX reporting limit under FCRA XXXX XXXX a ), and the transfer from XXXX. of XXXX to XXXX appears to have been used to " re-age '' and extend the life of the derogatory accounts, which is not permissible under FCRA 623 ( a ) ( 5 ) as it constitutes inaccurate re-aging of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-07-25 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: MD

Complaint narrative:
i recently pulled my credit report and i realize that i have a lot inquiries that i dont recognized i would like to please delete this inquiries from my credit 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 

PLEASE DELETE ALL THIS INQUIRIES BECAUSE I DIDN'T AUTHORIZED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
i recently pulled my credit report and i realize that i have a lot inquiries that i dont recognized i would like to please delete this inquiries from my credit 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 

PLEASE DELETE ALL THIS INQUIRIES BECAUSE I DIDN'T AUTHORIZED!!

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 2025-07-25 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: RI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, I made the mistake of double-paying my financier. 
I got a notification from the lender that a payment had failed from my XXXX XXXX account. So I went in and payed it from Navy Federal account. Shortly thereafter I noticed two ( 2 ) payments had been made from my Navy Federal account although this account was not set up for my auto payments. So I then contacted both Navy Federal and XXXX XXXX XXXX. Navy Federal asked for proof of the double payment and gave me the impression that once proof was shown they could reverse the payment. I submitted documented proof of the overpayment, they agreed there was an overoayment but then said they couldnt reverse the payment. Navy Federal then debited the amount of the overdraft from my second Navy Federal account.

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 2025-07-25 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: WA

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/year>, my credit score dropped XXXX points due to inaccurate and unfair reporting of seven separate 90-day late payments tied to one original student loan with the U.S. Department of Education XXXX serviced by XXXX. These seven accounts were artificially created by XXXX when they split my single {$10000.00} loan into multiple smaller loan accounts, despite this debt originating as one consolidated loan. The accounts currently showing derogatory marks are as follows : XXXX ( {$10000.00}, transferred/closed ), XXXX ( {$2400.00} ), XXXX ( {$1300.00} ), XXXX ( closed ), XXXX ( {$2200.00} ), XXXX ( {$1100.00} ), XXXX ( {$160.00} ), and XXXX ( {$990.00} ). All of these accounts are closed and no longer serve any credit purpose, and they should be permanently deleted as they were duplicatively created, causing my credit to reflect seven separate delinquencies rather than one. The open account reporting " 9 '' total loans should reflect only " 3 '' as seven of these stem from the same original loan, violating the Fair Credit Reporting Act ( FCRA ) 602 ( A ) requirement for accurate, fair reporting and the Consumer Financial Protection Act protections against unfair, deceptive, or abusive acts and practices ( UDAAP ). 

I made multiple calls to XXXX requesting that my payments be allocated toward the smaller loan balances to expedite payoff and avoid this type of damage to my credit, but XXXX failed to follow my instructions and refused to explain why the single loan was fragmented into seven parts. These actions resulted in unfair reporting, where I was penalized as if I missed XXXX payments when the obligation was, and remains, one single loan. These seven tradelines were also near the XXXX reporting limit under FCRA XXXX XXXX a ), and the transfer from XXXX. of XXXX to XXXX appears to have been used to " re-age '' and extend the life of the derogatory accounts, which is not permissible under FCRA 623 ( a ) ( 5 ) as it constitutes inaccurate re-aging of debt.

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 2025-07-25 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief