vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of an account listed under XXXX XXXX XXXX XXXX on my credit report. This account is paid in full, the servicing company ( GLELSI ) is no longer in business, and it is past the seven-year limit allowed for negative information to remain on consumer credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). 
Here are the details of the account as it appears on my credit report : - Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Paid / Closed / Outdated I request that all information in relation to this outdated and inaccurate account be removed from my credit file. Please note that proof of payment can not be provided, as I no longer have access to documentation and the company is no longer operational. 
I respectfully ask that you conduct an investigation into this matter and update or remove the account as required by law. I appreciate your timely attention and request a written confirmation of the outcome of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of an account listed under XXXX XXXX XXXX XXXX XXXX XXXX credit report. This account is paid in full, XXXX XXXX XXXX ( GLELSI ) is no longer in business, and it is past the seven-year limit allowed for negative information to remain on consumer credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). 
Here are the details of the account as it appears on my credit report : - Creditor Name : XXXX XXXX of XXXX ] - Date of First Delinquency : XX/XX/XXXX - Status : Paid / Closed / Outdated I request that all information in relation to this outdated and inaccurate account be removed from my credit file. Please note that proof of payment can not be provided, as I no longer have access to documentation and the company is no longer operational. 
I respectfully ask that you conduct an investigation into this matter and update or remove the account as required by law. I appreciate your timely attention and request a written confirmation of the outcome of your investigation. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I use to live at Images apartments which I signed a lease with my land lord XXXX and lease was till XX/XX/XXXX and in XX/XX/XXXX I told my landlord XXXX I wanted to move out because I cant keep using the stairs to XXXX floor because of my back and cant afford the rent buy myself And he was okay with it and understood my situation so he sold the apartment and I moved out on XX/XX/XXXX apartment was clean and dropped the keys to office. Now Images condominium are after me for {$3000.00} I never signed anything with them never talked to anyone from them didnt know who is the new landlord.even my old landlord XXXX tried to call who ever bought the apartment to let them know that I was going to move on XX/XX/XXXX but no one answered him. Now images sent me to collections Sequium Assest Solutions Llc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I am writing to formally dispute certain information in my credit file that has been reported by XXXX XXXX account number XXXX opened XX/XX/year> to the credit reporting agencies. Specifically, I am disputing one or more late payments reported on my account, which are inaccurate and illegal to report under 15 US 1666B.Experian is showing a late payment with inaccurate info about the amount owed on Equifax and Transunion it's showing a different amount being owed I'm asking for this account to be removed from all 3 credit bureaus asap or will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I am writing to formally dispute certain information in my credit file that has been reported by XXXX XXXX account number XXXX opened XX/XX/year> to the credit reporting agencies. Specifically, I am disputing one or more late payments reported on my account, which are inaccurate and illegal to report under 15 US 1666B.Experian is showing a late payment with inaccurate info about the amount owed on Equifax and Transunion it's showing a different amount being owed I'm asking for this account to be removed from all 3 credit bureaus asap or will be filing a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The first reported late payment was XXXX of 2016. That is more than 9 years ago and according to the FCRA should be removed from my credit report. They keep changing the dates to keep it on my report. XXXX XXXX has also been acquired by Shellpoint and they refuse to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Two accounts from Toyota Motor Credit Corporation, both beginning with XXXX, are being inaccurately reported on my credit file. One of the accounts is marked as a joint account and shows a charged-off balance. I dispute this account in its entirety I never opened a joint account with TMCC, nor did I authorize anyone to include me as a co-borrower. This is not my account, and it is being falsely attributed to me. The account is unverified, and I am requesting its immediate deletion, as the burden of proof lies with the furnisher under the FCRA to provide documentation that I entered into a legally binding agreement. he second account, which is closed, reflects late payments of 30 days in XX/XX/year> and 60 days late in both XXXX and XX/XX/year>. This reporting is both inaccurate and a violation of the Fair Credit Reporting Act. Reporting two consecutive 60-day lates is not standard practice and reflects inconsistent data. Second, my payments were in deferral during this time due to the COVID-19 pandemic. I was covered under the CARES Act, which mandates that if payments were current prior to entering a hardship or accommodation plan, the creditor must report the account as current. Therefore, these late payment notations violate federal law and are causing unnecessary harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of an account listed under US Dept of ED/GLELSI on my credit report. This account is paid in full, the servicing company ( GLELSI ) is no longer in business, and it is past the seven-year limit allowed for negative information to remain on consumer credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). 
Here are the details of the account as it appears on my credit report : - Creditor Name : US Dept of ED/GLELSI ] - Date of First Delinquency : XX/XX/XXXX - Status : Paid / Closed / Outdated I request that all information in relation to this outdated and inaccurate account be removed from my credit file. Please note that proof of payment can not be provided, as I no longer have access to documentation and the company is no longer operational. 
I respectfully ask that you conduct an investigation into this matter and update or remove the account as required by law. I appreciate your timely attention and request a written confirmation of the outcome of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My car was repossessed on XX/XX/XXXX XXXX has called numerous times to try to get a report and what I financially owe and to see how much the towing and get final bill or to try to settle my debt. I have not received the information. Theres been numerous employees telling me different amounts and different information. I requested to speak to a supervisor, and I have only had customer representatives that lie say that they dont have supervisors and then another employee say every department have a supervisor, and then another lady lied and said that she was only one in this department .She lie about how much total was .she said tolling XXXX and a other representative said XXXX XXXXThen one representative told me {$25000.00} and one said {$33000.00} and one say there was a offer given for me to pay 40 % off to XXXX talked with numerous representatives none were help for.A lot of reps were saying they were transferring me to a supervisor and never did but only transferred me to a different representative. Its been going on a week now And I have not got a chance to speak to a supervisor and try to figure out my options. So I can get my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
I was a victim of identify theft, somebody opened a XXXX  account under my name, purchased 4 phones and never paid for Them, it was charged off and now sent to a collections company named Jefferson capital, they keep contacting me asking me To pay this, but Ive never had a XXXX  oXXXX XXXX XXXX account, I filed a police report and a report with XXXX XXXX but havent had any success removing this from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This started with XXXX pandemic. XXXX would not take payments, my payment was returned to me. Then the new student loan servicer, Aidvantage, would not take payments for years. I contacted them multiple times throughout the years to get information directly from them. I contacted them before the new administration came into office and I was advised by them they were holding off taking payments. I contacted them again in XXXX and it was the same information that they were not taking payments. I tried to set up payments and they would not do it online or over the phone. Then a month ago I get a notification that my credit score has significantly dropped due to my student loans having late payments of XXXX days. I called multiple times as my call was dropped by them or I was transferred and dropped to get this corrected. Each person I spoke with had different conflicting information and nothing seems to be going anywhere. I have requested multiple times for my original documents and copies for all notes on my account and for all call recordings including those from XXXX. They havent done what I have requested and havent corrected the false information they have reported to the credit bureaus. I have finally setup payments with them and have paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing multiple inaccurate and incomplete accounts on my credit report. Despite attempts to resolve the issue, the accounts remain improperly reported. I am requesting an investigation under the Fair Credit Reporting Act. 
During the time these delinquencies occurred, I was hospitalized due to XXXX complications from XXXX and XXXX. This medical emergency prevented me from making timely payments. I have since resumed payment and resolved the account. I ask that this context be considered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief