vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries that appear on my consumer report. These inquiries were not initiated or authorized by me and therefore constitute a violation of federal law under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

LEGAL BASIS : Under 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency XXXX furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have never provided written consent or authorization to the following entities to access or pull my credit report, and their inquiries constitute a breach of federal law and my consumer rights. 

Furthermore, 15 U.S. Code 1681c2 requires that a consumer reporting agency must block and remove any information resulting from identity theft or unauthorized access within XXXX business days of receiving proper documentation. 

UNAUTHORIZED INQUIRIES TO BE REMOVED : Please immediately investigate and delete the following inquiries from all versions of my consumer report ( Experian, Equifax, and TransUnion ) : DEMAND FOR ACTION : I demand that you : XXXX. Immediately delete all unauthorized inquiries listed above. 


XXXX. Cease and desist from allowing any further access to my consumer report without my express written consent. 


XXXX. Provide written confirmation that these inquiries have been deleted from my file. 



Failure to comply with this request XXXX result in legal action, including the pursuit of statutory damages under FCRA Section 616 ( 15 U.S. Code 1681n ) and actual damages under Section 617 ( 15 U.S. Code 1681o ). 

This letter serves as formal notice under the FCRA and any continued reporting of these unauthorized inquiries will be viewed as willful noncompliance.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am following up on a dispute I previously submitted regarding the JPMCB Auto Finance account ( Account # : XXXX ), which is being improperly reported on my consumer credit report. This account is a business account, not a consumer obligation, and therefore it should not appear in my personal credit file. 
I provided all required documentation with my dispute, including identification and proof that the account is not tied to me as a consumer. In response, you returned a statement suggesting, you do not think I wrote this, which is not a valid reason to reject a dispute. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), you are obligated to conduct a reinvestigation within XXXX days regardless of your opinion about the origin of the letter. 
To date, I have not received : Any written confirmation that a reinvestigation was performed Any documentation explaining the results Any method of verification for why this account remains This failure to act constitutes willful negligence and knowing noncompliance with your responsibilities under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information on Experian Credit Report - Account Number XXXX Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding inaccurate information appearing on my Experian credit report. Despite a debt being discharged, Experian 's reporting does not accurately reflect the most recent status of this account. 

The account in question is with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX  XXXX ), with the account number XXXX. 

My Experian credit report currently shows this account with a status of " Closed. {$1000.00} written off, '' with the status updated as of XX/XX/XXXX. However, I have received an IRS Form 1099-C, Cancellation of Debt, from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, for an amount of {$810.00}. This XXXX clearly indicates a " Cancellation of DebXXXX '' ( Identifiable event code " F ' - By agreement ). 

The discrepancy is as follows : Experian Credit Report : States the account was " written off '' for {$1000.00} as of XX/XX/XXXX. 

IRS Form 1099-C : Shows a debt discharge of {$810.00} as of XX/XX/XXXX. 

The information on my Experian credit report is inaccurate and outdated, as it does not reflect the more recent and definitive discharge of debt as documented by the IRS Form 1099-C. This inaccurate reporting negatively impacts my credit score and financial standing. 

I request that the CFPB investigate this matter and compel Experian to : Promptly investigate this dispute. 

Update the tradeline for account number XXXX to accurately reflect the debt as discharged, consistent with the IRS Form 1099-C dated XX/XX/XXXX. 

Remove any derogatory remarks related to this debt that are inconsistent with its discharged status. 

I have attached copies of my Experian credit report highlighting the inaccurate tradeline, and the IRS Form 1099-C as evidence of the debt discharge. 

Thank you for your time and assistance in resolving this important matter. I look forward to your prompt response and a resolution to this dispute. 

Sincerely, 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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
The debt collector has not provided me proper debt validation for this alleged debt. I requested the original contract with my signature, I requested my payment history with & a proof of debt assignment. They have not provided any of this information. Please delete this from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing in response to your items reporting on my credit report regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of this debt.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of any judgment.

4. Documentation showing that you have the legal right to collect this debt ; 5. A copy of the original contract or agreement bearing my signature.

6. Proof that the statute of limitations has not expired.

Please be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any further collection activity without validation of the debt may be considered a violation of the FDCPA.

This letter is not an acknowledgment of the validity or ownership of the alleged debt. I request that all future communications be in writing only.

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 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
What happened? 

My XXXX  XXXX XXXX, financed through Ally Financial was recently repossessed. I understand that I fell behind on payments due to financial hardship, but I have been actively working to collect the necessary funds to resolve the issue. 

As of the last statement, the payment breakdown is as follows : Current Amount Due : {$810.00} Past Due Amount : {$3200.00} Late Charges : {$280.00} Other Charges : {$440.00} Total Payment Due : {$4700.00} I reached out to Ally Financial in hopes of arranging a payment plan to pay the past due amount and reinstate my account to recover my vehicle. However, I was told the entire balance must be paid in full. I explained my situation and asked for a more reasonable option, but was denied. 

Additionally, I have been transferred from department to departmenteach time being told, I cant help you, but someone else might. I have spent multiple hours on hold, speaking with different departments, each time getting my hopes up, only to receive no resolution. This process has been exhausting and emotionally draining. 

This situation has created a significant burden on my ability to work and maintain stability. I am simply requesting that Ally Financial offer a reasonable reinstatement option that allows me to bring the loan current by paying the past due amount instead of the full balance up front. 

I am seeking the CFPBs assistance to help resolve this matter fairly and allow me to retrieve my vehicle and continue meeting my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
The debt collector has not provided me proper debt validation for this alleged debt. I requested the original contract with my signature, I requested my payment history with & a proof of debt assignment. They have not provided any of this information. Please delete this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which grants me the legal right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

I filed a formal dispute with Experian regarding XXXX or more accounts I believe are being inaccurately reported. In response, the furnisher and/or credit reporting agency marked these items as verified without conducting a reasonable investigation, as required by the FCRA. 

No original documentation, such as a signed contract or any verifiable evidence substantiating the debt, was provided to me. Simply marking the item as " verified '' without supplying proof of accuracy or legal authority to report the information does not fulfill the legal standard of a reasonable reinvestigation. 

Additionally, I am disputing multiple hard credit inquiries made by an auto dealership that I did not authorize. Under the FCRA, XXXX XXXX. XXXX, any hard inquiry on my credit report requires my explicit consent. These unauthorized inquiries constitute a violation of my rights and cause unwarranted damage to my credit score. 

The continued reporting of unverifiable accounts and unauthorized hard inquiries is a violation of my rights under the FCRA and is adversely affecting my credit profile.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Account Information Southwest Credit ( Ref. No. XXXX ) Dear Experian, I am writing to formally dispute the accuracy of information reported on my credit file under the account listed below. This dispute is being made under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Account in Dispute : Creditor : XXXX Credit Reference Number : XXXX The information currently reported is inaccurate and incomplete. The account pertains to a billing issue I had with XXXX regarding an apartment that was unoccupied for several months. Despite no usage, I was continually charged for electricity. I contacted XXXX multiple times regarding these discrepancies and was informed that my account would be placed on hold while engineering investigated the meter. However, this investigation was never resolved or completed. 
On XX/XX/XXXX, I contacted XXXX again to gather a full history of my service requests dating back to XXXX, when the overbilling began. After a six-minute hold, the representative was prepared to provide a summary, but the call was disconnected. When I called back, the new representative was unable to locate any record of my prior service requests. I have recordings of these incidents as evidence. 
Due to this unresolved and improperly handled billing situation, the charges reflected in this account are inaccurate and unfairly damaging my credit. Therefore, I respectfully request that this account be thoroughly investigated and removed from my credit report as it does not reflect a legitimate or accurate debt. 
Please conduct a full reinvestigation in accordance with the FCRA and provide a written statement of the results. I also request that any corrections or deletions be forwarded to any party who has accessed my credit report within the last XXXX months, or the last XXXX years for employment purposes. 
Attached are copies of my identification and supporting documents for your reference. 
Thank you for your time and attention to this matter. I look forward to your prompt resolution. 
Sincerely, 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 2025-06-22 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: CA

Complaint narrative:
Fraudulent inquiries in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-22 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:
Fraudulent inquiries in my credit report 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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was granted a {$2000.00} PayPal Credit line under account number ending in XXXX. I received an official letter stating that I could use this digital, reusable credit line anywhere XXXX is accepted. It specifically advertised that I could use it on millions of merchants, with no physical card needed and that it would appear automatically at checkout. 

However, I am unable to use this credit line at all. The PayPal Credit option no longer appears on the XXXX website or in the app, including at checkout for XXXX sites like XXXX. The customer service process has been circular and unhelpful. XXXX redirects me to Synchrony ( who manages the credit ), and Synchrony then sends me back to XXXX party takes responsibility nor offers a resolution. 

This has caused me to miss multiple purchase opportunities that I reasonably expected to complete using this credit line. I feel this constitutes false advertising, misrepresentation, and an unfair practice as defined under the XXXX XXXX XXXX XXXX. I never opted out of the credit. I was simply never given access. 

I would like an explanation, functional access to the credit line I was granted.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Urgent Complaint Regarding Unjust Account Closure Following Fraud Disputes To Whom It May Concern, I am urgently requesting your assistance regarding the sudden and unfair closure of my bank account by USAA Federal Savings Bank after I followed their instructions to dispute transactions that I was told were fraudulent.

I was a victim of unauthorized activity on my account. Upon contacting the bank, I was advised by their own representatives to proceed with filing disputes for those fraudulent charges. I did exactly as instructed, fully cooperating in the process and trusting that the bank would protect my financial wellbeing. 

Instead, I was blindsided by an abrupt account closure. I was told I would need to wait 60 days for the account to officially close and only then would I receive a check for my remaining funds. This decision has placed a massive burden on me and my family. 

We are already struggling to make ends meet, and this action has pushed us deeper into crisis. I currently have no access to the funds I need to cover basic necessities such as food, rent, utilities, and transportation. This situation has caused extreme emotional and financial distress. As a parent and provider, I am watching my family suffer due to a situation I did not cause and for which I followed every instruction I was given. 

I respectfully request immediate intervention. I am willing to provide any documentation or information needed to support my claim and prove that the disputes were valid and initiated under direct guidance from USAA. I am seeking the following : A full and immediate investigation into the closure of my account. 

An expedited release of my funds I can not wait 60 days. 

A formal review into whether USAA acted appropriately and fairly under federal consumer protection laws. 

This is a deeply urgent matter. I acted in good faith and have been treated unfairly and left in financial jeopardy. I need your help to correct this injustice and restore access to my funds so my family can survive. 

Thank you for your time, understanding, and action. 

Sincerely, 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 2025-06-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 
+

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
This is a new and separate dispute, submitted based on newly discovered information as of XX/XX/year>. I am disputing the charge-off account reported by XXXX XXXX XXXX account ending in * XXXX ), which appears on my Equifax credit report with a reported balance of {$1400.00}. I assert that I did not authorize or open this account, and it is the result of identity theft or fraud. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 605B, I am formally disputing this account without the need for a police report, as permitted when sufficient identifying documents are provided. To date, neither XXXX XXXX nor Equifax has provided any original signed contractual agreement bearing my signature, proof of consumer authorization, or full account history that would verify the legitimacy of this tradeline. The only materials Ive received consist of generic cardholder agreements and billing statements that I do not recognize neither of which meet the burden of proof under FCRA 609 ( a ) ( 1 ). Without a valid and signed agreement, this account can not be legally validated, and under FCRA 611 ( a ) ( 5 ) ( A ), it must be promptly and permanently removed from my credit file. 
Additionally, no IRS Form 1099-C has been issued for this account, despite the charged-off balance exceeding {$600.00}, which violates 26 U.S. Code 6050P if the debt was forgiven or canceled. Furthermore, I never authorized any credit inquiry from XXXX XXXX, and no permissible purpose under FCRA 604 ( a ) has been documented. The account also appears to be inaccurately reported in violation of Metro 2 standards. Although the account is marked as XXXX and XXXX XXXX, it still shows a high balance and past due amount, creating conflicting and misleading data. The narrative codes attached ( 167, 067, 065, and 002 ) are vague and unexplained, which violates the FCRAs 607 ( b ) requirement for maximum possible accuracy in reporting. 
I respectfully request that this account be permanently deleted from my credit report and confirmation of the deletion be sent to me in writing. If validation is attempted, all documentation must include the original signed XXXX XXXX XXXX XXXX XXXX XXXX, proof of authorization, and the method of verification.

Company response to consumer: Closed with non-monetary relief