vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I was never late on the paid-off account for XXXX XXXX XXXX Please provide documentation or proof of the reported late payment that supports this inaccurate entry on my credit report. If you are unable to provide such evidence, I respectfully request that the late payment be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies within XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal 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 XXXX ) as proof from the US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Checked today on XX/XX/XXXX of XXXX  and found that my XXXX deposit for my CD that had already accrued {$53.00} a week ago is now at XXXX which is concerning when nothing was stated that this CD would come with a fee and especially since it took more than I put in for a supposedly guaranteed interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax, TransUnion and Experian never reports my score or that's I have been a target of theirs and identity theft and security breachess of their fault. I'm seeking legal avenues now since they have yet to make anything right with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: OR

Complaint narrative:
Equifax, TransUnion and Experian never reports my score or that's I have been a target of theirs and identity theft and security breachess of their fault. I'm seeking legal avenues now since they have yet to make anything right with me

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 2025-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a debt reported by National Credit Systems on behalf of XXXX XXXX XXXX. I was officially released from the lease on XX/XX/2022, as documented in a notarized Roommate Release Form signed by the landlord 's agent and the remaining tenant. Despite this, a debt totaling {$570.00} has been reported against me, including charges for rent, utilities, damages, and fees that were incurred after my release date. 

The only documentation provided by the creditor is an itemized account statement listing these charges with a move-out date of XXXX XXXX XXXX months after I was no longer responsible for the lease. I have repeatedly requested that National Credit Systems validate this debt and provide documentation proving my responsibility for the charges. To date, they have not provided sufficient proof and have continued to pursue collection. 

This inaccurate debt is negatively impacting my credit and severely affecting my ability to secure housing. I am requesting that this debt be removed from my credit report and that all collection efforts immediately cease unless valid documentation can be provided showing I was legally responsible for the charges after XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject : Request for Debt Validation Dear Portfolio Recovery I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements set forth by the Fair Debt Collection Practices Act, specifically under FORA 605 ( b ) ( 15 U.S.C. 1681c-2 ) and 15 U.S. Code 6803 - Disclosure of Institution Privacy Policy.

To facilitate this process, I require the following documentation : 1. * * Date of First Activity * * : The date the account was initially opened or the debt originated.

2. * * Date of Last Activity * * : The most recent date of any transaction or communication regarding this debt. 
XXXX. * * Date of Last Payment * * : The date on which the last payment was made towards the debt.

4. * * Account Number * * : The specific account number associated with the debt in question.

5. * * Current Account Balance * * : The total amount owed as of the date of this letter.

6. * * Status of the Account * * : A clear indication of whether the account is active, closed, disputed, etc.

7. * * Chain of Command or Custody * * : Documentation proving the ownership and transfer of the debt, including any assignments or sales. 
8. * * Proof of Ownership * * : Evidence that your organization currently owns the debt and has the right to collect on it.

9. * * Proof of Collection Rights * * : Documentation that demonstrates your authority to collect on this debt.

10. * * Copies of Signatures * * : Signed agreements from all parties involved in the original transaction and any subsequent assignments.

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your timely response. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
This company has charged off this account on my credit which means they paid it off and claim it on their taxes and never sent me 1099c which is illegal if they are still reporting to the credit bureau that I owe the car I will be taking it to the next level and I will be filling a lawsuit for fraud. I want to request a 1099c from the company cause on my credit report it was written off and that is not how to report and i am gone to sue for statutory damages if this isnt removed off my credit report! That is very much fraud to claim written off on my credit report but theyre claiming it on their taxes and I havent received a 1099c and they are still reporting it on my credit for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-05-30 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: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my student loan account referenced below. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), codified at 15 U.S.C. 6802. 



Account in Dispute : Creditor/Servicer Name : [ Insert Loan Servicer Name ] Account Number : [ Insert Account Number ] Reported Late Payments : [ Insert Dates or Range ] I assert that the negative reporting on this account is inaccurate and should be removed for the following reasons : Violation of 15 U.S.C. 6802 Lack of Proper Privacy Notice and Opt-Out Opportunity : Under the GLBA, financial institutions are required to provide consumers with a clear and conspicuous notice of their policies and practices for sharing nonpublic personal information, along with an opportunity to opt out. I was never provided with an adequate initial or annual privacy notice, nor was I given the legally mandated opportunity to opt out of the sharing of my information that may have led to adverse reporting. 

Inaccurate or Misleading Credit Reporting : The reported late payments are either inaccurately documented or the result of internal errors or failure to communicate critical billing or deferment information. I request a thorough investigation and deletion of any derogatory marks found to be inaccurate or unverifiable under the FCRA. 



Please respond within the XXXX period required by law. Failure to correct the error or provide proper documentation will result in further actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IN

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
I reviewed my credit report and discovered multiple fraudulent accounts and an unauthorized inquiry that I did not initiate. These include accounts from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX and Unauthorized Collection Accounts from XXXX XXXX XXXX,. I believe these are the result of identity theft. On XX/XX/2025, I formally disputed these items with XXXX, and they were removed following their investigation. However, this bureau has not removed them yet.. I am requesting that these entries be blocked and permanently removed under FCRA 605B. These inaccurate items have harmed my credit and need immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-05-30 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: GA

Complaint narrative:
I immediately reached out to the credit bureaus because someone was attempting to obtain credit in my name. They refused to assist without a FTC report. My credit was run by 3 different credit card companies on the same day. An account was opened with XXXX XXXX in my name. The following inquiries were made. 

Transunion XXXX XXXX  ( finance ) - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Experian XXXX - XX/XX/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 2025-05-30 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: GA

Complaint narrative:
I immediately reached out to the credit bureaus because someone was attempting to obtain credit in my name. They refused to assist without a FTC report. My credit was run by 3 different credit card companies on the same day. An account was opened with XXXX XXXX in my name. The following inquiries were made. 

Transunion XXXX XXXX  ( finance ) - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Experian XXXX - XX/XX/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 2025-05-30 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: MS

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC XXXXg, I demand their deletion within XXXX days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am a customer with PNC bank, on XX/XX/year> there was a charge on my checking account for {$360.00} from a XXXX that was not made or authorized by me. I noticed the charge and reported this to my bank, making a despute, they refunded the money a few days later. On Tuesday they decided the charge was a valid charge and took the money back with no warning, no call, no letter, putting my account negative {$360.00}. I have been trying for two days now to get answers from the bank, submitted more claims, calling XXXX myself and providing this order was not even from XXXX. I am unable to pay my rent or buy food now due to having no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
This morning, I discovered some incorrect accounts on my credit report, and I have no clue where they came from. As part of my regular routine, I checked my credit report, but this time I noticed unexpected errors. I even refreshed my browser thinking it might be a technical issue, but the discrepancies remained. Because of this, Im requesting a detailed review of the documents I submitted to ensure everything is accurate and to put my concerns to rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation