vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
My personal information was exposed to XXXX XXXX breach and my identification and i do not recognize these accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX a XXXX capital XXXX XXXX self XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX us dept of XXXX 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am devastated to find out these inaccurate and fraudulent accounts on my profile it leaves me in a state of despair and according to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I am writing to formally dispute the charge-off accounts currently reported on my credit report, as they are in violation of the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ) under XXXX I demand the following accounts be removed immediately : Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account To support these laws here Further more here are Consumer Law Codes. 
XXXX. Right to Privacy ( XXXX XXXX. XXXX ) : This statute affirms my right to privacy regarding my personal information. The charge-off accounts in question XXXX violate my privacy rights, especially if they were reported without my consent. 

XXXX. XXXX XXXX XXXX Obligations ( XXXX XXXX. XXXX ( XXXX ) ) : This provision states that a consumer reporting agency can not furnish an account without my written instructions. If these charge-offs were reported without my explicit consent, they are invalid. 

XXXX. Reporting Time Limits ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : According to this section, no consumer reporting agency XXXX include adverse information in a report if it predates the report by more than XXXX years. If these charge-offs exceed this timeframe, they should be removed. 

XXXX. Inaccurate Information ( XXXX XXXX. XXXX XXXX ( A ) ( XXXX ) ) : This law prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe that the information is inaccurate. I believe that the charge-off entries are inaccurate and should not be reported. 

In light of these points, I request a thorough investigation into the charge-off accounts listed on my credit report. If it is determined that the information is indeed inaccurate or improperly reported, I ask that you remove these entries promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
they gave me the wrong number and name of place where and answering machine kept responding then the vehicle was sold where all of my items were lost

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 2025-06-27 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-27 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.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-27 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: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I called to ask about resolution. They said it was accurate and I asked to speak to a supervisor. They requested documentation of payment from my insurance which I feel they have no right and my legal right to protect my legal information. I explained the following Hi I want to report XXXXXXXX XXXX XXXXXXXX XXXX Texas regarding a bill that I did not agree. They were charging me XXXX per XXXX that I saw part of a bill. I spoke to XXXX representative and told them I wanted an itemized bill and I wanted to dispute certain medications. I told them I was not going to pay a single XXXX until I saw an itemized bill. Never received. Now they sold my account to a credit agency and its reflecting on my credit report.I also requested a copy in writing of report or mail XXXX times and the supervisor advised me that he couldn't. need help with this situation please. My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX and my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I made a dispute claim against XXXX for amount {$810.00} on XXXX XXXX XXXX 2025. They gave me provisonal credit in that amount. On PAYPAL website, paypal themselves has notify me and told me " XXXX HAS AGREED TO ISSUE REFUND ''. today on XXXX XXXX 2025, Paypal took my refund and process limited my account. They gave me no reason why they limited my account and why they are withholding my money. They even said when my social security deposits they are keeping that. i do have case id numbers they are : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-27 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: TN

Complaint narrative:
I am submitting this formal complaint against Equifax for willfully reporting inaccurate, obsolete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these issues directly with Equifax, but the information remains unchanged and continues to harm my credit profile. 

XXXX. Inaccurate Charge-Off Accounts XXXX XXXX ( Account # : XXXX * * ) XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is being reported as a charge-off despite the balance being {$0.00}. If there is no balance owed, a charge-off is unjustified and misrepresents the account status. This violates FCRA Section 607 ( b ) which mandates maximum possible accuracy in credit reporting. 

XXXX XXXXXXXX ( Account # : XXXX * * ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is reported as a charge-off without validation from the furnisher. I have requested documentation confirming the validity of this debt, but none was provided. Reporting unverified derogatory data is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). 

XXXX XXXX ( Account # : XXXX * * ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is obsolete and beyond the XXXX reporting limit defined in FCRA Section 605 ( a ). Equifax has continued to report this charge-off even though it should have been removed years ago. 

2. Unauthorized Hard Inquiries The following inquiries were made without my knowledge or authorization. I did not initiate any applications or credit-seeking activities with these entities. Under FCRA Section 604 ( a ) ( 3 ), each inquiry must have a permissible purpose, which these do not. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax has failed to provide any verification or permissible purpose for these inquiries. As a result, they have contributed to a reduction in my credit score and limited my access to credit opportunities.

Summary of Harm Due to XXXX failure to follow federal credit reporting laws, I have experienced denials for credit, emotional distress, and reputational damage. Their continued reporting of unverifiable charge-offs and unauthorized inquiries is not only negligent but also a direct violation of my rights under the FCRA. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter, compel Equifax to delete the inaccurate and unauthorized items listed above, and ensure they comply with all applicable laws moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Servicing Solutions, LLC
State: DE

Complaint narrative:
Hide trimmed content -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Friday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX Subject : Account XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Dear Service Solutions LLC, I have repeatedly cancel automatic payments from your company months ago see pictures attached below, and also had removed my bank account information from your services previously months ago I have also notice I had to get into the account and discontinue my bank account in your system at XXXX XXXX XXXX XXXX XX/XX/XXXX and cancelled again as previous months and canceled automatic payments XX/XX/XXXX, yet SERVICING SOLUTIONS have reENGAGE THE SERVICES OF auto payments, when I went back again to check the account your company wrongfully had put back my bank information as to the automatic payments when it was already previous and again canceled righteously in XXXX now XXXX not from XXXX, but from Servicing Solutions LLC your changes to your company was made on XX/XX/XXXX. which i have received a letter stating information.And had set up an account. Which when I want to stop automatically payments which is my right FTC /CFPB, I have previously had requested statements to be sent to above address I have yet not receive. I am requesting once more to stop removing funds from my bank account ending in XXXX // further process will be submitted. 
Thank You, XXXX XXXX Last XXXX Digits of Primary Card : XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: MI

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-06-27 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WI

Complaint narrative:
XXXX - is reporting an unknown debt to my report which I have no knowledge of- i have contacted this company several times and have not been able to get assistance or clarification on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Self Financial / XXXX Bank for inaccurately reporting a XXXX late payment for XX/XX/year> on my credit report. I made this payment on time, and I have supporting documentation to verify that the payment was neither late nor missed. XX/XX/XXXX Bank has failed to correct inaccurate information after multiple good-faith efforts, violating FCRA XXXX ( b ) by failing to accurately investigate and report consumer payment data. This false late payment is damaging my credit score and negatively impacting my ability to qualify for credit. 
I am requesting that the CFPB investigate this issue and take the following actions : XXXX. Direct Self/SouthState Bank to correct the inaccurate late payment reported for XX/XX/year> on all credit reporting agencies XXXX. Ensure a written confirmation is provided to me once the correction is made XXXX. Hold the creditor accountable for failing to comply with their obligations under federal law. 
Thank you!

Company response to consumer: Closed with explanation