vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-02 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-02 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

I looked at my [ credit bureau ] credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
Monthly payments of {$500.00} dollars were made per the auto loan contract. Except two payments made which were below the monthly car payment amount. One payment for {$470.00} dollars made in XX/XX/XXXX and the other payment for {$480.00} dollars made in XX/XX/XXXX due to my work hours being cut back. I didnt have the money to make the XX/XX/XXXX car payment. 

According to the finance company they deducted {$34.00} dollars from the XX/XX/XXXX car payment of {$500.00} dollars and applied it to the XX/XX/XXXX car payment in order for the {$470.00} dollars to total the amount of {$500.00} dollars the monthly car payment amount. Leaving XX/XX/XXXX payment in the amount of {$470.00} dollars. The finance company did the same transaction with the XXXX and XX/XX/XXXX car payments made. 

The vehicle was repossessed on XX/XX/XXXX around XXXX PST. Per the conversation with the finance company, they repossessed the vehicle due to not making the full car payment amount for XX/XX/XXXX and not making XXXX and XXXX XXXX car payments. On top of that, they added the repossession fees and cost. Totaling an amount due of {$1700.00}. 

The letter of the breakdown received doesnt provide any information as to how they deducted money from the certain payments made and applied to offset the underpayments made for XX/XX/XXXX and XXXX XXXX car payments. 

The finance company is demanding the total amount of {$1700.00} dollars in less than a week or else they will auction off the vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX  I formally requested debt validation from LVNV Funding LLC under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) 1692g. My request specifically demanded : The original signed contract or agreement bearing my signature Complete payment history and account statements Documentation proving LVNV 's legal right to collect this debt Name and address of the original creditor Proof the debt is within the statute of limitations On XX/XX/year>, LVNV responded ( see attached documentation ) admitting they " are unable to determine which account is the subject of this complaint. '' Despite this admission, they continue to report this unvalidated debt to credit bureaus, which violates multiple consumer protection laws : FDCPA Violations : 1692g ( b ) : Failed to cease collection efforts after being unable to validate the debt 1692g ( a ) ( 2 ) : Never provided the original creditor 's name within the required 5 days 1692e ( 8 ) : Falsely reporting this unverified debt as legitimate FCRA Violations : 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate credit information 1681s-2 ( b ) : Failing to conduct proper reinvestigation of disputed information This behavior follows LVNV 's established pattern of misconduct documented in * CFPB v. LVNV Funding ( XXXX ) *, where they were penalized for : Using automated systems that ignore validation requests Falsely reporting unverified debts to credit bureaus Failing to properly investigate consumer disputes Requested Resolution : Immediate deletion of all related tradelines from all credit bureaus with XXXX suppression ( 15 U.S.C. 1681c ( c ) ) Payment of {$1000.00} in statutory damages per willful FDCPA violation ( 15 U.S.C. 1692k ( a ) ) CFPB sanctions against LVNV for repeat violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted formal disputes with all three credit bureaus regarding a XXXX XXXX XXXX collection account. I attached a dispute letter, government-issued ID, and a utility bill showing my current address. Despite this, all three bureaus marked the account as verified without providing any documentation to support their verification. 

TransUnion reported the account as Closed on XX/XX/XXXX, but then reinserted it on XX/XX/XXXX, showing the status as Placed for Collections. They also falsely listed XXXX as the original creditor on XX/XX/XXXX, then changed it to XXXX XXXX XXXX XXXX on XX/XX/XXXX. The account is marked both Closed and In Collections, which is misleading and contradictory. They reported a last payment date of XX/XX/XXXX. 

XXXX listed the account as Open and labeled it a Debt Buyer Account, yet left the Date of Last Activity blank. They marked the account as verified without ever supplying validation documents. 

Experian updated the balance on XX/XX/XXXX, but the amount remained unchanged at {$1100.00} suggesting re-aging. They labeled the term as 1 Month and {$0.00} scheduled payments, which misrepresents the nature of the debt. All three bureaus acknowledged my dispute with language like Account information disputed by consumer, but no documents were ever provided. 

I specifically requested : A signed contract with my signature An itemized breakdown of the account Proof of ownership or assignment Proof of license to collect in Maryland Any documentation used to verify the account None of this was provided. 

Violations Committed Include : FCRA 609 ( a ) ( 1 ) Failure to provide information used in verification FCRA 611 ( a ) ( 1 ) Failure to investigate and correct inaccurate or incomplete information FCRA 611 ( b ) Re-inserting previously deleted or closed information without notice FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to correct and update incomplete or inaccurate information FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt FDCPA 809 ( b ) Continued collection without proper validation after a dispute I am now preparing to file a civil complaint and pursue binding arbitration where applicable. I will seek full deletion of the account, statutory and actual damages, and all legal costs associated with the violations above.

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 2025-05-02 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: MA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( XXXX ) and Equal Credit Opportunity Act ( 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I was contacted by Navy Federal CU regarding an alleged debt. However, they failed to send me a written notice of the debt within five days of that initial communication, as required under FDCPA 15 USC 1692g ( a ) and Regulation F ( 12 CFR 1006.34 ). I never received the required notice explaining the amount, creditor name, and my rights to dispute. They are now attempting to collect and/or report this debt without first fulfilling the legal requirement to provide proper written notice. I am requesting that the CFPB enforce compliance and require them to either validate the debt properly or cease all collection activity and credit reporting immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-02 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
Locked account for fraud investigation when there is no fraud. Have given every piece of documentation they have asked to unlock it and they still will not. They will not communicate with me to let me know how to regain access to money. Not understanding of the fact that money in the account is needed to pay bills/ continue to live. They have stated it is because my mom had her social security checks drop into my account. She did not know she wasnt allowed to do so. We have explained and given as sworn statement on this and still nothing has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-02 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:
There is an inaccurate account reporting on my credit reports please invistigate it. I am not liable for this account. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX * * * * Balance : {$200.00} XXXX sent them a letter how ever they did not remove anything just updated the comment to " Account information disputed by consumer, meets FCRA requirements " therefore they know this account should not be reporting this account on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
There is an inaccurate account reporting on my credit reports please invistigate it. I am not liable for this account. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX * * * * Balance : {$200.00} XXXX sent them a letter how ever they did not remove anything just updated the comment to " Account information disputed by consumer, meets FCRA requirements " therefore they know this account should not be reporting this account on my credit reports.

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