vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

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 2025-07-15 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

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 2025-07-15 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: AR

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
GM Financial is reporting a late payment on my account for XXXX XXXX. This is completely wrong. I have made all my payments on time.

Here are the following payment that I have made in XXXX  : XXXX XXXX XXXX for {$1100.00} Confirmation # XXXX XXXX XXXX XXXX  for {$1100.00} Confirmation XXXX XXXX  ( This payment was made from my checking account. XXXX XXXX XXXX for {$2200.00} Conformation XXXX XXXX XXXX XXXX XXXX for {$1100.00} Confirmation XXXX XXXX XXXX XXXX XXXX for {$1000.00} Confirmation XXXX XXXX XXXX XXXX XXXX for {$1100.00} Confirmation XXXX XXXX XXXX XXXX XXXX for {$1100.00} Confirmation XXXX XXXX I am unsure of how they are applying my payments. But I know I have made my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I first requested a replacement debit card on XX/XX/XXXX. Capital One reported XX/XX/XXXX that it was delivered. It was not. I requested another debit card that was reported to be delivered XX/XX/XXXX. It was not. I requested a debit card again, this was successfully delivered XX/XX/XXXX. Capital One told me on XX/XX/XXXX that the card was linked to the wrong checking account. I later found out from Capital One that the same debit card can be used between multiple accounts. I have requested six debit cards since XX/XX/XXXX and have only received one - that did not work. Capital One has successfully delivered, via USPS, a Savor credit card, upon one request. Today, in speaking with agent XXXX, XXXX told me that I can use ACH options to pay bills. I asked what I am supposed to do at the grocery store, and he told me that I do not have options beyond ACH to access my funds. He told me that they can send me a new card, but this simply has been a problem since XX/XX/XXXX. This has caused me immense distress -- to the point that I have had to call my medical insurance crisis line multiple times because I could not access my funds. I am being forced to use their credit products because they do not provide me access to my funds. I have had to call them 26 times in the last two months, trying to resolve this. I can not express the strain this has caused me. XXXX XXXX their system showed that the card was delivered, and it was not. Upon speaking with representatives multiple times, I was again told to wait - even though it showed delivered - and given the option to request a new card. Again, I have requested six cards in two months. They have successfully delivered one card that was not usable. They were able to deliver a credit card upon one request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Trying to refinance the car but they are not willing too even though after day 30 of having the car I let them know the car was faulty and I was trying to have XXXX buy it back since XXXX XXXXXXXX gave me a hard time and unfortunately I was unable to I figured Id work with who I got the loan from to see what we can do. I put XXXX down on the car and its 1 year later Ive made every payment on time even though every other month the car does not work Ive went into debt on a car that is unsafe for me and my children XXXXXXXX XXXX  XXXX. Half the time I have to purchase a rental for us to go out of town even though I pay a note one car every month on time I believe it is unfair for Westlake financial services to deny me to refinance another car as they can see Im capable of taking care of the note but as I can see they are not being fair on there end Id like them to extend my loan and allow me to trade in this car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Beginning XX/XX/year> an inquiry for a company Ive never had dealings with showed up on my credit report Ive made a report on XXXX, my reference number is 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 2025-07-15 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: NJ

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Subject : Demand for Debt Validation Final Notice Before Legal Action To : Receivable Management Services, LLC To Whom It May Concern, Under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ), I formally requested full validation of the alleged debt you are attempting to collect regarding a XXXX XXXX account. To date, you have only provided a billing statement, which does not satisfy the federal requirements for validation. 

You are required to provide the following : A copy of the original contract or agreement with my signature, An itemized breakdown of the debt showing how the amount was calculated, Proof that your agency has been assigned or owns the debt ( assignment contract ), Proof of your license to collect in the State of Florida. 
Additionally, I am judgment-proof as I receive government assistance. I have previously sent a cease-and-desist notice, and your continued collection activity is both deceptive and unlawful. 

This letter serves as a final notice. You have five ( 5 ) business days to fully validate this debt, or I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and pursue legal action for violations of the FDCPA and FCRA.

If this account is being reported to any credit bureau, it must be removed immediately until and unless validation is properly completed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consumer Collection Management. Inc
State: TN

Complaint narrative:
I have a collections account on my credit report that I know nothing about. I tried to resolve this in the past and thought it was removed but I see that it is still here. I wasn't given any prior notice about a balance or an amount owed whatsoever. My first time seeing this account was when it appeared on my credit report. I am very confused and it is currently affecting my ability to finance a car that I need urgently. 

On my credit report it shows as XXXX XXXX owing {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. Please remove these items. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. Please remove these items. They are hurting my ability to obtain credit.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Dated XXXX I received a letter from Resurgent Capital Services in regards to an alleged debt in the amount of {$4200.00} from XXXX XXXX. I have no idea who Resurgent is nor did I agree or sign documentation of any kind to do business with Resurgent or ( LVNV Funding ). It seems that this alleged information that Resurgent has indicated on there letter, will try to report this negative information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX I made a manual one-time payment on my American Express account XXXX That payment was returned due to insufficient funds. I immediately resolved the payment issuse and submitted new one time ACH. After that, Amex stated via email that they would attempt to process the same payment up to two more times, which I never authorized. 

Under the Electronic Fund Transfer Act ( Regulation E ), a merchant may not retry a returned one-time ACH debit without the consumers consent. I reviewed Amexs Pay by Computer terms, and there is no provision allowing multiple retry attempts. 

Amex then froze my account and charged me fees, and has told me they are unwilling or unable to restore access or remove those charges despite my payment I am requesting that CFPB investigate : The legality of multiple ACH attempts after a returned manual payment Improper account freeze and fee charging Failure to restore access despite payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
This letter constitutes a formal dispute of a collection account appearing on my credit report. I do not acknowledge this debt, nor have I authorized any such account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-07-15 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumers credit report exclude reporting or collection activities without proper validation. If this debt is not verified, substantiated, or legally enforceable, it must be removed promptly. 



Demand for Validation : I request that you provide comprehensive validation of this debt, including but not limited to : The original creditors name and contact information Documentation proving I am obligated to pay this debt Evidence that you have been legally assigned or authorized to report or collect this debt Failure to Validate : If you can not provide such validation within the timeframe mandated by law, I demand the immediate and permanent removal of this collection account from my credit report. Failure to comply is a violation of my rights under the FCRA, and I will not hesitate to escalate this matter by filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and pursuing legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  To : CARTER-YOUNG INC XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Subject : Request for Debt Validation under 15 U.S. Code 1692g To : Whom It May Concern, This letter is in response to a collection account that is being reported on my credit report, which I do not recognize. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809.

Be advised, I am not acknowledging this debt and am formally requesting that you provide the following documentation : 1. The name and address of the original creditor.

2. The original account number and a copy of the original signed contract or agreement bearing my signature.

3. A complete payment history, including all charges and fees. 
4. A copy of the debt assignment or purchase agreement showing your legal authority to collect this debt.

5. Proof that this debt is within the statute of limitations for collection in my state.

6. A copy of the itemized accounting and breakdown of how the total amount allegedly owed was calculated.

7. Your debt collector license number and the state in which you are licensed.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, if this account is being reported to any consumer reporting agencies ( XXXX XXXX XXXX ), you are required to note the account as in dispute until this matter is resolved. 

While this debt is in dispute and until proper validation is provided, you must cease all collection activities, including reporting to any credit bureaus. Failure to do so will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state for violations of the FDCPA and FCRA. 

This is a formal notice under the FDCPA. Please respond to this request within 30 days. If you can not validate this debt, you are required to remove it from my credit report and cease all collection efforts. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 formally disputing a collection account currently appearing on my credit report. I did not authorize or initiate this debt and have no responsibility for it.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I respectfully submit this letter to dispute a late payment appearing on my credit report. After careful review of my payment history, I believe this is a reporting error.

Company response to consumer: Closed with non-monetary relief