vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
This is my XXXX dispute, and I am appalled by the data furnisher and credit bureaus ' blatant disregard for federal consumer protection laws. Under FCRA Section 611 [ 15 U.S.C. 1681i ], they are obligated to perform a lawful reinvestigation. However, no original, verifiable documentation has been provided. Instead, Ive received generic templates and unverifiable responseswhich do not constitute proof of accuracy.

The account in question is riddled with Metro 2 violations, including inconsistent date of first delinquency ( DOFD ), incorrect account status codes, and inaccurate reporting of balances. This is a direct violation of Metro 2 Format Requirements as outlined by the Consumer Data Industry Association ( CDIA ), and a failure to comply with FCRA Section 623 obligations to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year> I received an email from XXXX XXXX  saying my next payment was due XX/XX/year> for {$140.00}. I received another email on XX/XX/XXXX stating the same information on XX/XX/year> my XXXX XXXX made what I thought was the final payment of {$6000.00}. I went to review my account to see if I owe any other balance on XX/XX/year> and I couldnt see any information so I assumed that the balance was paid in full on XX/XX/year> XXXX XXXX put the same account into a charge off it XXXX when I contacted them today, which is XXXX XX/XX/XXXX Im sorry XX/XX/year> they stated that it XXXX they sent me a letter on XX/XX/XXXX with the final bill. Ive never received that letter the only contact that I received from them is the XXXX bills that they sent me which I will attach to this stating that my next payment was XX/XX/year> for {$140.00}. XXXX call you several times to inquire about the account. The customer service representative was saying that they didnt have any information on the account and they kept transferring me and I never got any information on the account until the charge off. I called and asked them to remove the charge off and they stated no I had a remaining balance of {$500.00} something, which Im unaware of because I could not access the information on my account. The only thing I seen on the account was that the last payment of the. Im sorry {$6000.00}. It was no further information. XXXX has been very deceptive and misleading and furthermore they are retaining data on my that I did not authorize. Any number that I call from XXXX will attach it to my account without my permission. That is invasion of privacy. My Accounts are already being handled in countries that I didnt sign up to conduct business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-25 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$06.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 :

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This is the second time for this complaint!! Yes car was purchased as is but not anywhere on this contract does it say it has transmission problems! Car was bought on XX/XX/year> and they told me ac compressor was going out so i didn't pick up till XX/XX/year> as i drove out i felt it stalling to accelerate and i called them from outside on the feeder and they told me they were closing to call back on the XX/XX/year> and i showed up and waited XXXX hours to be told the main mechanic wasn't in and if i could leave it so I picked it up on XX/XX/year> and they said they couldn't find the problem because the knew they sold a faulty car!! They kept pushing me to take it to a XXXX dealer because it had warranty so I left mad and drove it very slow to XXXX XXXX  and barely made it almost got into a wreck because the car wasn't drivable!! XXXX XXXX checked it and said this vehicle shouldn't have been sold like this, they called the extended warranty company and the claim got denied because it has pre existing conditions and they warranty got cancelled and refund check was sent to XXXX XXXX and to this day they haven't sent that check to Ally to remove the warranty off the contract! They scam everyone they can!! I went into the dealership to tell them to do a flat cancellation like Ally told me and they said they can't do it and for me to leave and I was no longer welcome there! They know what they do and they get away with it! Now I'm stuck with a loan and I have no car it's sitting at the shop because I ca n't drive it!! It's going to cost $ XXXX to get it fixed and why should I have to Pay for a car I just got. This contract should be cancelled and the dealership should be held responsible for what they do to customers!! I have all evidence this car had pre existing conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I previously filed CFPB complaint # XXXX against Select Portfolio Servicing ( SPS ). On XX/XX/XXXX, I spoke with SPS representative XXXX, who admitted SPS had wrongly charged me for two years of insurance ( XXXX and XXXX ) even though I had valid coverage. She confirmed my correct monthly payment is $ XXXX ( not {$3100.00}, XXXX ) and stated a refund check of {$1000.00} would be issued. 
Despite this admission, I then received a mailed statement demanding {$3100.00} per month and falsely showing I am past due # XXXX ( total due {$6300.00} ). This is completely false. I paid in full by certified mail, and SPS is misrepresenting and abusive, creating the false appearance of delinquency when I am current. 
As a senior homeowner, this treatment is intimidating, harmful, and feels like a deliberate attempt to push me into foreclosure. SPS admitted the error but continues to send false, threatening statements. I reqest that CFPB require SPS to correct my account, remove all false fees and insurance charges, confirm my payments are applied correctly, and stop issuing misleading statements that misrepresent my status. SPS 's conduct is abusive and appears to be part of a systemic pattern that harms elderly borrowers. 
XXXX. Certified Mail Prof : " I have proof of timely payment sent by certified mail, with delivery confirmation. SPS 's delay in posting my payment until the last day of the grace period is abusive and designed to creat late fees. '' 2. Violation of Basic Standard : " Mortgage servicers are required to mail billing statements with enough time for borrowers to reasonably make payment. SPS routinely sends statement on or after the due date, leaving no fir opportunity to pay without penalty. this violates industry standard. '' 3. pattern of abuse this is not an isolated error. there are hundreds pf public complaints showing sps uses suspense accounts as a elderly homeowner i beleive sps is deliberately targeting vulnerabel borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for unlawful collection and reporting practices showing XXXX amounts {$420.00} and {$1000.00}. Background I have disputed these accounts multiple times in writing. There company has failed to provide lawful validation required under federal law : Original signed application ( wet signature ). IP and geolocation logs. Chain of title/ownership. XXXX XXXX compliance documentation. Instead, Portfolio Recovery Associates , LLC has repeatedly reassigned these same accounts to outside collectors, despite ongoing disputes and charge-offs. Violations of Law FCRA ( 15 U.S.C. 1681s-2 ( a ), ( b ) ) Furnishing unverifiable information and failing to conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. ) : XXXX must conduct meaningful investigations. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. ) : Furnishers must investigate beyond confirming internal records. FCBA ( 15 U.S.C. 1666 ) Failure to investigate billing errors and fraudulent charges. FDCPA ( 15 U.S.C. 1692g ) ( applied via XXXX-party collectors ) : knowingly passing unvalidated accounts for collection constitutes willful disregard. FDCPA 805 ( c ) Ignoring written notice to cease telephonic communication. Equity Law Unjust Enrichment Collecting after charge-off, where tax bene fit has likely been claimed, is inequitable. I am also filing this complaint against Portfolio Recovery Associates, who has been assigned collection showing a purported balance of { {$420.00} and XXXX }. Background This account has been formally disputed multiple times. Portfolio Recovery Associates has not provided lawful validation, including signed agreements, ownership chain, or IP verification. Despite ongoing disputes, XXXX has been assigned this debt and is attempting collection, which constitutes unlawful activity. Violations of Law FDCPA ( 15 U.S.C. 1692g ) Failure to provide adequate debt validation before attempting to collect. FDCPA 1692e False and misleading representations, as billing summaries/statements are not legal validation. FDCPA 1692f Unfair practices in attempting to collect unverifiable debt. FDCPA 805 ( c ) Prohibited telephonic communication after written notice. FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Any continued furnishing of unverifiable data to CRAs constitutes unlawful reporting. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : A billing statement is not sufficient validation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. ) : Collectors must provide clear, itemized validation. FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. ) : Attempting to collect without proper validation violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : SECURITY CREDIT SERVIC - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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