vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data International has violated the Fair Debt Collection Practices Act by failing to validate a debt for over 95 days. On XX/XX/year>, I sent them a debt validation request via certified mail ( tracking # XXXX ) which was delivered the same day. Under 15 U.S.C. 1692g ( b ), they were required to cease collection activities and provide debt validation within 30 days.

As of today 's date, they have completely ignored my validation request for over 90 days, which is a clear violation of federal law. They were legally required to either validate the debt or cease collection, and they have done neither. I recently sent a cease and desist letter demanding compliance, but they continue to violate the FDCPA.

This debt relates to an alleged rental property issue, but IQ Data has failed to provide any documentation proving : ( 1 ) they have the right to collect this debt, ( 2 ) the debt is mine, ( 3 ) the amount is accurate, or ( 4 ) they are properly licensed. Their complete non-response violates multiple FDCPA provisions including 15 U.S.C. 1692g ( b ), 1692e, and 1692f

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
my bank account was stolen total {$10000.00} i was found it on XXXX XXXX the money was stolen on XXXX i found out that the money was lost it showed pendingAnd then i go to the Wells Fargo branch the banker help me to calledand lock my accountand i have my claim numberAnd i also called the policei have the report number and on XXXX XXXX i checked my accountthe money posted successfulAnd then i called Again to the claim departmentthey have not say anythingjust tell me need to waitAs of today it has been XXXX working days and there is no newsSo i do not know how long i still need to waitand where is my moneymy card is in my wallet, why they can stolen my money

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 monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX with late date XX/XX/2022, This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I have a lot of medical debt reporting on my credit. 
The main creditor is Mountain land collections. Amounts vary from $ XXXX {$2300.00}. 
I have tried to dispute these multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galt Financial Solutions, LLC
State: WI

Complaint narrative:
I gave a company out of XXXX WI called XXXX XXXX XXXX that is trying to collect a debt that I never took out from a closed account that was closed for 2 years prior to this supposed deposit. I have the paperwork for the small claim court and the letter that I got from the Bank and they are so wrong how can I get a loan deposit on a closed account from a loan company that went bankrupt a year earlier I have the proof and I want full procecution for this since my state won't help me I did send all of the information I had they refused to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Complaint Letter Global Lending Services To Whom It May Concern, I am submitting this complaint regarding my auto loan with Global Lending Services, originated on XX/XX/XXXX, for a XXXX XXXX XXXXXXXX XXXX at 23.45 % APR.

Since the beginning of the loan, I have made all required payments, as well as extra payments intended for principal reduction. Despite these efforts, the following problems persist : 1. Misapplication of Payments : On XX/XX/XXXX, I paid {$530.00}. According to the statement, only {$300.00} was applied to principal, while {$210.00} went to interest and {$24.00} to fees. 
Despite this payment, the principal balance and payoff amount did not decrease proportionally. Instead, the payoff amount resumed increasing at {$12.00} per day, showing that my payments were not properly allocated to principal as instructed. 
XXXX. Payoff Amount Fluctuations : Payoff quotes show irregular behavior : XX/XX/XXXX : {$19000.00} XX/XX/XXXX : {$19000.00} XX/XX/XXXX : {$19000.00} These figures reflect daily interest accrual, but also reveal that even after full and extra payments, the payoff amount increases instead of decreasing proportionally. 
XXXX. Predatory Lending Practices : The APR of 23.45 % is excessively high and, combined with hidden fees and add-ons, creates an unreasonable burden.

The refusal to apply extra payments to principal despite explicit instructions is a violation of consumer rights.

Requested Remedies : A full, itemized payment history and amortization schedule showing exactly how each payment was applied. 
Immediate correction and reallocation of all extra payments to principal.

Removal or refund of any unauthorized add-ons or dealer fees.

Written confirmation of the corrected principal balance and payoff amount.

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ), the Florida Office of Financial Regulation ( OFR ), and the Florida Attorney Generals Consumer Protection Division, in addition to notifying Global Lending Services directly.

Please provide a written response within 15 business days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, FL Account ending : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
I am a victim of identity theft, and TransUnion continues to report inaccurate and unauthorized information on my credit file despite previous disputes. Specifically, an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing as a charge-off, even though consumer law and Metro 2 standards prohibit reporting a sold or assigned debt as an active account. 

Additionally, multiple hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX ) were placed on my file without my consent, permissible purpose, or signed authorization. These violate FCRA 604 ( a ) ( 3 ) and GLBA 502 ( a ) privacy protections. 

This time, I am submitting a complete FTC Identity Theft Report and a notarized police report, which confirm these accounts and inquiries are fraudulent. My previous submission lacked the full FTC packet, which is now included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft and inaccurate credit reporting. Unauthorized accounts and inquiries have appeared on my credit file without my knowledge or consent. Specifically, TransUnion continues to report a derogatory tradeline from XXXX XXXX XXXX ( Acct # XXXX ) as charged off / profit and loss write-off while also showing an active balance.

These reporting fields are contradictory under Metro 2 guidelines because a closed, charged-off account can not simultaneously show an active balance with no verified ledger. 

On XX/XX/year>, I filed CFPB complaints regarding this exact contradiction. The furnishers and TransUnion acknowledged receipt and stated they were still working, but have failed to provide any verification records such as : Signed contract, Complete itemized accounting showing principal, interest, and fees leading to the charge-off, General ledger entries documenting the charge-off, Chain of title if the debt was sold.

To date, none of these documents have been produced. Yet TransUnion continues to republish the derogatory tradeline, which depresses my credit scores and misrepresents my payment history.

This constitutes willful noncompliance with : FCRA 1681i failure to conduct a proper reinvestigation, FCRA 1681s-2 ( b ) failure to verify disputed data with original records, FCRA 1681e ( b ) failure to assure maximum possible accuracy, Metro 2 guidelines internal inconsistency between status, balance, past due, and remarks, 26 USC 6050P ( IRS 1099-C Law ) continuing to report collectible debt without proof of cancellation filing.

I previously sent TransUnion a Final Demand letter on XX/XX/year>, requiring permanent deletion of the XXXX XXXX XXXX XXXX. They have failed to comply. 

I request that the CFPB require TransUnion to : Provide full documentary verification as required by law, OR Permanently delete the disputed tradeline. 

This ongoing inaccurate reporting has caused me financial harm, emotional distress, and heightened identity-theft risk as a documented fraud-alert consumer.

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 2025-09-04 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: PA

Complaint narrative:
Im seeking your assistance to closely examine accounts from certain companies that are inaccurately reporting me as late. After reviewing my credit report, I found that these accounts have erroneous late payment notations, which should not exist. Please remove those remarks and adjust the account to reflect the accurately agreed positive status. Additionally, one account is incorrectly labeled delinquentit needs to be disputed and updated to show XXXX late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDIT BUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-04 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Cease and Desist XXXX XXXX Account No. XXXX {$710.00} To Whom It May Concern : This letter is a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. You are to cease all communication with me regarding the above-referenced account, except as permitted by law.

You are further instructed to delete all reporting of this account from XXXX XXXX XXXX XXXX as continued reporting without compliance constitutes a violation of the Fair Credit Reporting Act.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau and the State Attorney General, along with pursuit of all remedies available under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Reference number for XXXX. Unauthorized charges using physical debit card not in my possession. I want proof this claim was correctly investigated and camera footage can show that I did not make these transactions. 

Reference number for XXXX Unauthorized charges using debit card not in my possession. I want proof this claim was correctly investigated and camera footage can show that I did not make these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax, Experian, and TransUnion Inaccurate Payment History Reporting and Billing Errors I am filing this complaint against Equifax, Experian, and TransUnion for their continued reporting of inaccurate payment history on my credit file. This dispute is submitted directly by me, XXXX XXXX XXXX, not by any third party. I have provided proper documentation, yet the bureaus continue to report false late payments that fall under billing errors as defined in 15 U.S.C. 1666 ( b ).

Accounts in Dispute ( Inaccurate Late Payments ) 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 Basis of Complaint 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect payments made or credits issued.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or accounting errors. 

Creditors also failed to provide statements at least 21 days prior, meaning late payments should not have been recorded.

Violations by the Bureaus By continuing to report these inaccurate late payments without requiring proper verification from furnishers, the bureaus are in violation of : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

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