vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a debt that originated in XXXX. This account has now passed the XXXX-year reporting limit established under the Fair Credit Reporting Act ( FCRA ). However, instead of allowing the account to be removed, the company appears to update the tradeline on a daily basis to prevent it from falling off my credit report. 

When I contacted XXXX XXXX XXXX directly, they confirmed that they intend to continue reporting the account beyond the XXXX-year federal requirement. This practice is misleading, potentially fraudulent, and violates consumer protection laws. 

I have documented my communications with the company, including recorded calls, as evidence. I respectfully request that this matter be investigated, and that appropriate action be taken against XXXX XXXX XXXX XXXX XXXX On top of this, my biological father was and still continues using my credit to obtain this account as I have NEVER lived in XXXX XXXX TN or TN in XXXX. He has created fake ID 's & documents as well. 


XXXX XXXX AT XXXX XXXX AP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-08-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-08-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under XXXX and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I want to make it clear that : I have never had any dealings with XXXX XXXX XXXX. 
I do not owe this debt, and I believe I am a victim of identity fraud or misreporting. 
The information being reported is false and is causing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate entry be investigated and deleted immediately from my credit report. Please provide me with written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: OK

Complaint narrative:
XXXX XXXX XXXX is saying they have sent me documents thru the mail, but I have yet to receive documents. They said everything on this account is true. That is false information as this account is past the statue of limitations as XXXX XXXX ( original creditor ) has violated my rights and disclosed all of my personal information about the loan to references, employer nd more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Klover Holdings, Inc.
State: NY

Complaint narrative:
Hello, I'm reaching out regarding the unauthorized charge of {$270.00} that was temporarily reversed but has now been reinstated after my claim was denied. I want to clearly state that I did not authorize this transaction and I will not accept responsibility for this charge. 

This situation is tied to fraudulent activity involving accounts that were created and used without my knowledge or consent, possibly by my ex-boyfriend. I have since changed all of my passwords, secured my personal information, and taken steps to close any accounts that were opened fraudulently. 

All previous activity and communications tied to these accounts were not conducted by me. I have also contacted my bank and initiated a formal dispute on my end. 

Given that this transaction was unauthorized and fraudulent, I am requesting that the charge be permanently removed and that the {$270.00} be refunded to me in full. Additionally, I ask that you confirm in writing that no further attempts will be made to collect this amount. 

Please let me know if you require any supporting documentation to proceed. 

Thank you for your attention and understanding. 

Sincerely, XXXX XXXX This has been an ongoing investigation with my bank and specialists that have been assigned to my case. They have denied due to the fact that XXXX stated I made those charges when I did not. It was my ex-partner.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: WA

Complaint narrative:
I applied for a PayPal credit card and I was approved for a new card. I received an email alerting me that a new credit card had been opened. A few days later I received an email saying I had closed an account. I didn't think anything of it, but I was confused by it. I received the new card and when I tried to activate it, I kept getting a message that there was a problem. I called in to activate my XXXX card and they told me the account had been closed. I told them I hadn't closed it, I had just applied and opened the account that I was approved for. They said they could send ask for a review of the decision, but I never heard from them again. There is a ding on my credit for the account being opened, for the the account being closed and for the change in available credit. If they aren't going to issue me the card that I was approved for, they need to remove this information from my credit 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 explanation
Consumer complaint received 2025-08-27 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.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Concord Servicing Corporation
State: NM

Complaint narrative:
On XX/XX/year>, I entered into a solar loan that is now serviced by XXXX. The salesperson promised me that my monthly payment would drop to about {$200.00} after filing my taxes and receiving solar credits. This promise was the reason I signed. 

After filing my taxes and registering with the state, I learned I did not qualify for the refund/credit that was promised. My official state certificate showed I was eligible for much less. As a result, my payments never decreased, and I was left responsible for the full {$57000.00} loan, with XXXX pursuing me for payments and threatening to deactivate/repossess the system. 

The contracts disclaimer about tax credits not being guaranteed was buried in fine print, not clearly disclosed in the sales pitch or presentation. I believe this was a case of deceptive and unfair business practices. The installer has since gone out of business, but XXXX continues to enforce this unaffordable loan. 

I am requesting that the CFPB investigate Concords role in financing and collecting on loans tied to deceptive solar sales, and that I receive relief such as loan adjustment, forgiveness, or cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am disputing inaccurate and misleading information that you are reporting on my credit file. Under FCRA XXXX ( b ), you are required to maintain maximum accuracy, and under XXXX you must reinvestigate disputed information. 
XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account that has been incorrectly reported under my name. I have no association with this account and never authorized its creation. Its presence is misleading and causing undue harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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.
State: NJ

Complaint narrative:
I am requesting the removal of XXXX closed accounts from my credit report that are currently reporting negatively despite being resolved and paid in full for less than the full balance. The accounts are : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Each of these accounts was charged off in the past but has since been paid in settlement with a {$0.00} balance, and all are listed as closed as of XXXX. Despite this, they continue to reflect multiple late payments and derogatory remarks including XXXX, which are now outdated and not reflective of my current credit behavior. 

Additionally, at least XXXX account was previously disputed, and the remarks indicate that the investigation was completed and the data was reported by the furnisher. However, I believe continued reporting of these negative marks after resolution is unfair and unnecessarily damaging. 

I am seeking a second chance through a goodwill adjustment, especially considering that I took responsibility and worked with the creditors to settle the accounts. These accounts are over XXXX years old, have been resolved, and no longer reflect an active credit risk. Their removal would provide a more accurate and fair representation of 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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am getting constant harassing phone calls from XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  And also Halsted financial services. I get at least XXXX calls a day and I am fed up. I block the numbers and they call back from a new one. This has got to stop. Its every single day they are reaching out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management
State: SC

Complaint narrative:
Facts of the Case On XX/XX/XXXX, I sent Plaza Services a certified debt validation request under the FDCPA. XXXX refused to sign for the letter ( no green card/return receipt was returned ). Despite this, XXXX later claimed it received my dispute on XX/XX/XXXX. 

Under FDCPA XXXX XXXX. XXXX ( b ), a debt collector must provide proper validation of the debt within XX/XX/XXXXdays of receiving a dispute. As of XX/XX/XXXX, XXXX has failed to do so. 

XXXX responded to my initial CFPB complaint by uploading only a generic XX/XX/XXXXcontract, which : Lists the wrong address ( Ive lived at current residence since XXXX ) Contains no payment history or accounting showing how the alleged balance was calculated. 

Contains no itemization of balance, interest, or fees. 

Provides no proof of assignment, transfer, or bill of sale. 

My XX/XX/XXXX credit report ( Exhibit A ) shows contradictory reporting : Date opened : XX/XX/XXXX. 

First delinquency : XX/XX/XXXX. 

Major delinquency first reported : XX/XX/XXXX. 

It is impossible for an account allegedly charged off in XXXX to have a major delinquency first reported in XXXX. This is misleading and inaccurate. 

I also have a recorded call with XX/XX/XXXXconfirming that XXXX never received the full account history or documentation needed to validate this account. This evidence will be provided upon request. 

Violations of XXXX Fair Debt Collection Practices Act ( FDCPA ) XXXXXX/XX/XXXXXXXX ( b ) Failure to provide proper validation within XX/XX/XXXXdays of dispute. 

XXXX XXXX. XXXX ( XXXX ) ( A ) Misrepresentation of the character, amount, or legal status of the debt. 

XXXX XXXX. XXXX ( XXXX ) Communicating false credit information ( contradictory reporting ). 

XXXX XXXX. XXXX ( XXXX ) XXXX of deceptive means to collect a debt ( claiming they mailed validation when they did not ). 

XXXX XXXX. XXXX Unfair or unconscionable collection practices ( refusing certified mail, while continuing to report ). 



Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information to consumer reporting agencies. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) XXXX to furnish information after notice of dispute. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to properly reinvestigate disputed information. 

Evidence / Exhibits Exhibit A Equifax credit report showing contradictory dates. 

Exhibit B XXXX CFPB response ( generic contract with wrong address, no history ). 

Exhibit C XXXX certified mail tracking showing XXXX avoided receipt of disputes. 

Exhibit D audio available upon request Requested Relief Immediate deletion of this Plaza Services account from all consumer credit reports ( XX/XX/XXXX 

Written confirmation that Plaza Services has ceased all collection activity. 

XXXX enforcement review of Plaza Services for repeated violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft There is wrong names, addresses and fraudulent accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX & XXXX XXXX XXXX called me and several of my family members. When I called them back, they had my personal info such as SSN and address. They told me I had a defaulted credit card from XXXX  with Providian Bank and they were going to take me to court for this. I know this is not accurate. I know what credit cards I have had, I check my credit report monthly. They said they removed this data from my credit report because it is a legal issue now. The woman said I could wait to be taken to court or I could pay a settlement. I asked for more information on the debt and she said I had to subpoena the records. I refused to pay any settlement and she said they would see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: AL

Complaint narrative:
I was in collisions, and filed XXXX different claims with my former insurance company progressive. Per, XXXX  I was deemed to have had 0 % liability for ALL XXXX accidents. I have supporting documentation provided by XXXX. I'm filing this complaint because after XXXX  concluded I was NOT liable. XXXX later submitted XXXX different reports to LexisNexis, omitting the liability line item ( at the companies own discretion ). Which bombarded my XXXX XXXX consumer report with liability assumptions. Now XXXX has dropped my account because I actually utilized my insurance and filed XXXX claims in less that XXXX  months, which is the companies right to do so. However, XXXX  or any other business operating in the XXXX should not be allowed to submit INCOMPLETE and/or INACCURATE information of any sort to any consumer reporting agency. This sector has no governance, ethic or integrity. To sum it up XXXX gave me documentation saying XXXX LIABILITY in each collision. Then reported to LexisNexis information that is in clear contradiction to what they sent me for my records. gave me XXXX thing, submitted different to agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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