vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: AL

Complaint narrative:
My XXXX payment was past due due to issues with my bank. I opened a new bank account and made a payment 5 days before my XXXX payment was due. It was my understanding that the payment would clear up what was past due, but it did not. I received a phone call stating that my loan was more than 40 days past due and that my recent payment was applied to the current month 's payment. The representative that I spoke with could not provide a reasonable explanation as to why the past due balance wasn't cleared with the most recent payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am formally disputing the following accounts that are inaccurately reported on my credit file. Please investigate these accounts in accordance with the FCRA and make any necessary corrections. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$84.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as result of a data breach, In which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been complete. I understand that the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as result of a data breach, In which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been complete. I understand that the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF 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 non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2025, I purchased a walking pad on XXXX for {$39.00} and received a receipt from the company. Around XXXX XXXX  on the same day, I received text messages from NFCU questioning whether the transactions for {$340.00}, {$270.00}, {$81.00}, and {$42.00} were fraudulent. I responded with " Y ' for yes and immediately received a telephone call regarding these charges. I have been in contact with various customer service representatives and supervisors regarding these charges, but I have received inconsistent explanations of the dates when my money will be refunded. I did not authorize the charges mentioned above and need my money to pay my bills during these unprecedented times of economic inflation.

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 2025-11-18 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I was taken in an ambulance to the hospital for extreme bleeding while pregnant. My insurance ( XXXX XXXX XXXX ) fully covers ambulance rides even out of network. Metro ambulance services ( also known as XXXX ) sent me a bill for about {$1800.00} which was surprising since my insurance should cover it. I reached out to my insurance who said they used the wrong code when classifying the service and would issue a new EOB. The new EOB was disputed by the ambulance company as it still showed XXXX would pay about {$100.00} to the XXXX and the rest would be 'adjusted '. XXXX sent the bill to bill collections - credence collections. After I followed up a few more times, In XX/XX/XXXX, XXXX issued another EOB showing they paid the full XXXX to XXXX this time. XXXX claims they never received the payment. Credence collections has been aggressively trying to get paid even though XXXX claims they paid. Credence claims it doesn't matter if XXXX paid the bill - once it's in debt collection the patient now also has to pay it. I've researched and learned that is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
1. Charged-Off Accounts I am disputing any account listed as charged off. Please conduct a proper investigation to verify or remove it if inaccurate. 

2. Inquiries The following inquiry appears unauthorized : XXXX XXXX XX/XX/year> Please verify that this inquiry was made with my consent. If documentation can not be produced, please delete the inquiry. 

3. Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I am disputing these late payment notations as inaccurate. Please validate these entries with full payment records. If TransUnion or the furnisher can not verify, update the status to reflect an on-time payment history.

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 2025-11-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I am requesting that TransUnion conduct a full review of the following account on my credit report, as I believe the account has been inaccurately reported. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that if this account can not be substantiated with proper documentation or if any data is found to be inaccurate, it be removed from my credit file. 


Charged Off Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries Account Name : XXXX XXXX Date of Inquiry : XX/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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
A checking and savings account were opened with Bank of America. I received a debit card in mail which alerted me of activity.

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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: WA

Complaint narrative:
My mortgage servicer, Selene Finance, reversed a recent principal-only payment without justification and placed the funds into a suspense account. I have made these principal-only payments every month, sometimes for larger amounts, and they have always been applied correctly until now. 

On XX/XX/year>, I submitted a {$42000.00} principal-only payment and clearly noted that the payment was intended for principal only, the same way I have instructed on previous months. A week later, Selene reversed the payment and put the full amount in suspense with a misapplied funds notation. They have never done this before. 

Because this happened immediately after I filed a complaint with them, the timing feels malicious and targeted, as if they are intentionally making things more difficult for me. I want the CFPB to review this pattern because it does not match their past behavior and appears retaliatory. 

I am requesting the following : Apply the full {$42000.00} payment to principal as originally instructed. 

Ensure my next extra payment is also applied directly to principal with no reversals, delays, or suspense placement. 

Provide a full explanation for why this payment was treated differently from all other principal-only payments I have made. 

I want my account corrected and protected going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXThis CFPB complaint has\nbeen filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Transunion \ncredit reporting agency, block information appearing on my consumer credit report that is the\nresult of identity theft and fraud within 4 business days of you receiving this complaint. This\nfraudulent, inaccurate, and false information consists of. XXXX XXXX XXXX  These accounts have resulted in\nseveral fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO\ncredit report. I've attached a list of the hard inquiries in question as well as a copy of the\nconsumer FICO credit report maintained by you which shows the aforementioned fraudulent\nitems. I do not recognize the aforementioned accounts, collections, or hard inquiries as\nreported. The aforementioned accounts, collections, and hard inquiries appearing on my\nconsumer credit report maintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections, and hard inquiries are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal Complaint \nas proof from the US Federal Trade Commission that all of the aforementioned consumer credit\naccounts, 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 2025-11-18 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: LA

Complaint narrative:
I am filing this complaint because Experian is reporting unauthorized, unverifiable, and inaccurate items that need to be corrected or removed under the FCRA. 

XXXX. Charged Off Disputed XXXX, Acct XXXX XXXX XXXXXXXX, Date Open : XX/XX/XXXXXXXX Balance : {$1300.00} This account is incorrectly reported and should be removed or verified. 

XXXX. Inquiries Disputed The following inquiries were unauthorized and should be removed from my credit report : XXXX XXXX XXXX, Date Open : XX/XX/XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Open : XX/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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not give my consent or authorization, nor did I receive any benefit from these following accounts. This situation is deceptive, and I request the immediate removal of these accounts.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not give my consent or authorization, nor did I receive any benefit from these following accounts. This situation is deceptive, and I request the immediate removal of these accounts.

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 2025-11-18 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: IN

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

Company 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