vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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 was trading in my XXXX  and needed the documents from where i refinanced my vehicle back in XXXX with XXXX XXXX 

I went to XXXX and went to the member sign in button and inputted my username and password. 

i simply logged in and they ran my credit. 
i never filled out anything they used my information and prior application and reran my credit trying to refinance me when i only logged in to retrieve my documents because im already a customer. 

i was referred originally XXXX XXXXXXXX XXXX last year in XXXX which is how i found out about company and how i was a customer already. 

i called them back and immediately told them to stop running my credit because i did not authorize or futher more never filled out any new application. I signed in just like i sign in to any other account.. 

they admitted it was a glitch on numerous calls i recorded but would not fix it. 

i called in and XXXX for management and they play the finger pointing game saying its XXXX XXXX  when i have not ran any applications with them since XXXX when i got the original refinance. 

i traded the car in and was at the dealer trying to get my gap and warranty info for refund. 

i have supporting phone calls " recorded '' text messages browser history showing they are rerunning credit in a aggressive way to gain business and then playing the finger pointing game. 

I want the inquiry off my credit they put there from XXXX lending that i never authorized them to run.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: IL

Complaint narrative:
MERIDIAN FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research MERIDIAN FIN is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX 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 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 2025-11-26 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: FL

Complaint narrative:
This entry provides a misleading depiction of my financial behavior. I ask that it be reviewed and adjusted as necessary.

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 2025-11-26 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: CA

Complaint narrative:
The disputed information is not consistent with my actual financial practices. I ask that it be reviewed and amended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I am disputing the XXXX XXXX auto loan on my credit report because the information being reported is clearly inaccurate. The account was charged off in XX/XX/XXXX, and the lender stopped reporting at that time. Despite this, my credit report is showing monthly updates and charge-off entries for XXXX, XXXX, and XXXX. That is impossible. A charged-off account can not show new activity or payment history years after the charge-off date. 

Because these updates are not real, can not be verified, and violate FCRA accuracy requirements, this account must be removed from my credit report. I am requesting its immediate deletion.

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 2025-11-26 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX VA XXXX Re : Dispute and Demand for Validation and Immediate Correction/Deletion Account/Reference No. : XXXX Credit Bureau ( s ) : [ XXXX ] To Whom It May Concern : I am formally disputing the accuracy and legitimacy of the account you are reporting on my credit file. Portfolio Recovery Associates is being reported as the original creditor, which is false. I have never opened an account with Portfolio Recovery Associates, and you are not the original creditor for this debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand the following : 1 ) Validation : Provide complete documentation substantiating the debt and your right to collect, including : The name and address of the original creditor A copy of the original signed agreement or contract A full accounting showing the amount claimed, itemized principal, interest, fees, and payments Chain of title ( all assignments/bills of sale ) proving your authority to collect and report 2 ) Correction/Deletion : Because Portfolio Recovery Associates is not the original creditor, immediately correct the tradeline to reflect accurate creditor information or delete the tradeline entirely. Any continued reporting that misidentifies PRA as the original creditor is inaccurate and must be removed.

Until you provide full validation, you must cease collection efforts and suspend reporting to the credit bureaus. If you can not validate and correct this account within 30 days of receiving this letter, you must delete the tradeline from all credit reporting agencies. 

This is a time-sensitive dispute. Please respond in writing confirming : Receipt of this dispute The actions taken to delete or correct the tradeline Copies of all documents relied upon to validate the debt and your collection authority If you continue to report inaccurate information or fail to validate, I will file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I will consider all available remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
This is an update to my complaint. On XX/XX/year> I saw that I was charged a stop payment fee and called to bank to query about it. 
On XX/XX/year>, M & T Bank charged my account {$35.00} stop payment fee, the clerk said they refunded me back the {$35.00}. The bank did a stop payment fee for XXXX but still refused to return the unauthorized {$13000.00} ACH transaction. The stop payment only prevents future withdrawals and does not correct the original unauthorized transaction. I did not authorize this debit. I am requesting CFPB assistance. My original CFPB claim # is 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 monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I received a XXXX from my friend for the amount of {$14000.00}. My friend confirmed with his bank that he was going to send me those funds and later confirmed that he did in fact sent those funds to me. After that, I sent {$11000.00} to another friend of mines through a feature that my bank offers called Navy to Navy which is a faster way to transfer money. 

Navy Federal then proceeded to restrict my account for no apparent reason. I did not commit any crime or fraud. I dont partake in those things. I do not do any suspicious or fraudulent activity. My account has had funds over XXXX plenty of times. It was simply friends sending money to each other. We did nothing wrong and I am very frustrated because I value my bank account and I would like it back. I loved my relationship with Navy Federal and they decided to close my account without an explanation nor a second chance. 

I believe this decision was unjustified, as I successfully met all security protocols and verified all necessary information. Navy Federal is my preferred banking institution and I genuinely appreciate the banking services provided by them and I intend to continue banking with them if Im provided a second chance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am disputing how Capital One is reporting a charged-off credit card account ( ending in XXXX ) and their refusal to provide documentation of a reported last payment date of XX/XX/XXXX. 
On my XXXX  credit report, this account is reported as charged off with continuous charge-off ( CO ) notation since XXXX, but it also shows a last payment date of XX/XX/XXXX. 
In a letter to me, Capital One acknowledged that this account became delinquent as of XX/XX/XXXX. That is the Date of First Delinquency ( DOFD ). Under the Fair Credit Reporting Act ( FCRA ), the reporting period for a charge-off must be based on the original DOFD and can not be reset by later activity. 
I have no record of any payment that I initiated or authorized to Capital One in XX/XX/XXXX. I have repeatedly asked Capital One to provide documentation of this alleged payment ( such as payment confirmations, transaction records, or statements ). Instead, they send generic letters stating that they researched my account and that the reporting is accurate, without providing any proof. 
I am concerned that Capital One is reporting an inaccurate or unverified last payment date that misrepresents the recency of my delinquency and may affect how long this account appears on my credit reports. 
I have sent Capital One a written dispute letter by mail, asking them to either : Provide documentary proof of a XX/XX/XXXX payment ; or Correct or delete the disputed information and ensure the account is reported using the correct DOFD of XX/XX/XXXX. 
I am requesting CFPB assistance to get a proper response and correction if Capital One can not verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: MI

Complaint narrative:
I am filing a complaint against CR SYST INTR regarding the alleged XXXX XXXX XXXX XXXX collection account ( Account # XXXX ). I have multiple concerns regarding the legality of how this debt is being collected and reported. 
First, I never received any written notice of this debt within five days of the collectors initial attempt to collect, as required under FDCPA 809 ( a ).

I was never informed of : The amount of the debt The name of the original creditor My right to dispute within 30 days This debt simply appeared on my credit report without any legally required notice or validation.

Second, I requested full validation from this company, and it has been well over 30 days with no response. The FDCPA requires that all collection activity must cease until proper validation is provided. That did not happen. 
Third, the only thing this company sent was an invoice, which is NOT verification. 
Under the FDCPA and XXXX XXXX, proper validation must include : The original contract or service agreement with my signature A full itemized accounting showing how the balance was calculated Proof that this agency has the legal right to collect ( chain of assignment ) All documentation relied upon to verify the accuracy of this debt None of this has been provided. 
Therefore, this debt is unverified and illegally being collected and reported. 
Fourth, reporting this account to the credit bureaus without validation violates : FCRA 607 ( b ) ( maximum possible accuracy ) FCRA 611 ( reasonable investigation ) XXXX XXXX guidelines, which require all furnished data to be accurate, complete, and fully verifiable CR SYST INTR is reporting an account it can not validate and never proved was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to apply for assistance due to my current hardship but instead of that I got someone on the phone maybe a collector telling me they will foreclose if I don't schedule a payment for XX/XX/XXXX when I was only a month and a half behind on my mortgage. I had to sell some of my furniture to be able to make this payment, had a significant reduction of income while my mother was in the hospital for her leg amputation and I was missing work for this reason. 

My HUD Counselor and I we being trying to communicate with XXXX for the last XXXX days and being on hold for more than an hour that I cant afford due to work, no one has responded to our calls, I went on the portal and there is no way to apply for assistance on portal either. 

I need someone to contact me to apply for a forbearance that will allow me to retain my home. I need urgent assistance please. Very hard to communicate with this servicer. 

I appreciate any help you can provide me to keep my home and provide shelter to my family. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED WITHOUT MY CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED WITHOUT MY CONSENT

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 2025-11-26 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: IL

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-11-26 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX INQ : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV funding is reporting false accounts on my credit report. I have responded to multiple emails requesting the proper verification and they refuse to send the request information. Yet continue falsely reporting on my credit report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : 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 2025-11-26 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: GA

Complaint narrative:
This letter serves as a formal dispute regarding the inaccurate and unauthorized items listed below. These entries appear to be the result of a data breach, mixed consumer file, or compromised personal information. 
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$4600.00} INQUIRY : XXXX - XX/XX/XXXX This inquiry was not authorized and must be removed under FCRA 604 ( a ) ( 2 ) and 607 ( b ).

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 2025-11-26 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 complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief