vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX\n\nI am filing this complaint against Ally Financials Asset Recovery team due to significant delays and resistance in providing the required lien-release letter for my auto total-loss claim. This critical document is necessary to finalize my claim with First Chicago Insurance, and its absence threatens to delay my settlement, potentially resulting in financial harm.\n\nClaim Information:\n\nAuto TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On multiple occasions, I contacted Ally Financial, and I was assured that my auto loan was marked as paid in full and that a lien-release letter would be issued immediately. Despite these assurances and repeated follow-up inquiries, I have not received a PDF or paper copy of the lien-release letter, nor have I received any tracking information for a mailed copy.\n\nDuring my most recent call with a representative named XXXX, I explicitly requested to speak with a team leader or supervisor due to the urgent statutory deadlines outlined in IL Insurance Code 143.24d. XXXX  refused to provide a supervisors contact information or escalate my call, citing internal restrictions. This resistance has left me without the documentation required by XXXX XXXX XXXX to process my total-loss settlement.\n\nIssues:\n\nDelayed Lien-Release Documentation: The failure to provide the lien-release letter is preventing XXXX XXXX XXXX from issuing my settlement check.\n\nResistance to Escalation: Despite my requests, I have been unable to speak with a supervisor or obtain an escalation path within the Asset Recovery department.\n\nPotential Violation of Statutory Deadlines: The delay in issuing the lien-release letter may conflict with the statutory timelines under IL Insurance Code 143.24d, which could result in further financial liability on my part.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: WV

Complaint narrative:
I'm writing to formally request confirmation that all data associated with this account belongs solely to me. That includes, but isn't limited to, personal information, activity history, content, communications, and any data stored, tracked, or processed under my user profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
I am disputing XXXX hard credit inquiries from XXXX XXXX and Challenge Financial Services dated XX/XX/XXXX, and XX/XX/XXXX, that were made without my authorization. 

I did not apply for new credit with XXXX XXXX or Challenge Financial Services. My original auto loan was financed through XXXX XXXX XXXX  on XX/XX/XXXX. XXXX XXXX later became the lienholder, but at no point did I authorize or consent to a credit inquiry in connection with that transfer. 

On XX/XX/XXXX, I contacted XXXX XXXX directly by email and requested that they either provide written proof that I authorized the credit inquiries or request the removal of the inquiries from my credit report. As of today, they have not provided valid documentation showing I gave consent for these inquiries. I sent off a letter to Challenge Financial Services a day later through the mail and havent received anything from them. 

Under the Fair Credit Reporting Act ( FCRA ), a hard credit inquiry requires express consumer authorization. Since I did not give such authorization and no new credit was applied for, I am requesting the removal of these inquiries from my credit report. 

I am attaching supporting documentation, including my loan contract ( which does not contain any credit check authorization clause ), a copy of the dispute email I sent, and a screenshot of the inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I ASKED THEM TO REMOVE THIS OFF OF MY CREDIT REPORT BECAUSE I DID NOT AUTHORIZE THEM TO PUT IT ON THERE. I DO NOT RECOGNIZE THIS ACCOUNT. I DO NOT HAVE A CONTRACT WITH THEM FOR ANY DEBT. THIS COMPANY STATED THEY INVESITGATED THIS MATTER AND I WANTED TO KNOW EVERY STEP ON HOW THEY INVESTIGATED IT. FOR EXAMPLE, WHO DID THEY TALK TO, WHEN DID THEY TALK TO THEM AND WHAT DID THEY SAY? IF THEY CAN NOT PROVIDE A SIGNED CONTRACT THAT I HAVE WITH THEM FOR SAID DEBT, I AM ASKING THAT IT IS REMOVED FROM MY CREDIT REPORT FROM ALL XXXX CREDIT BUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need.

Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. 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 2025-06-09 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: AR

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-09 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: VA

Complaint narrative:
FTC / CFPB Complaint Report Complainant : XXXX XXXX XXXX SSN ( Last 4 Digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Summary of Complaint I am submitting this complaint regarding multiple inaccurate, incomplete, and unverifiable negative items currently reported on my credit reports with Experian, TransUnion, and Equifax. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and contribute unfairly to the suppression of my credit score.

Violations Cited FCRA 609 ( a ) ( 1 ) : Inability to provide verifiable, complete documentation from original creditors.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate or delete inaccurate or unverifiable information within 30 days.

FCRA 623 ( a ) ( 5 ) : Furnishing of outdated or incomplete data.

FCRA 607 ( b ) : Failure to maintain maximum accuracy in reporting.

FDCPA 809 ( b ) : Failure to validate debts ( in the case of collections ). 

Affected Accounts Experian XXXX XXXX ( 8 accounts ) Charged off and past due, inconsistent reporting. 

XXXX XXXX XXXX XXXX XXXX No debt validation, balance discrepancies. 

TransUnion XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Days Late ( XXXX ). 

XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Paid Charge-Off still marked derogatory. 

XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Paid Charge-Off, negatively impacting score. 

Equifax XXXX XXXX ( Same charged-off accounts as Experian, presumed reporting to Equifax ) . 

XXXX XXXXXXXX ( Reported delinquency and charge-off status ). 

XXXXXXXX XXXX  Paid in full but listed as derogatory.

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 2025-06-09 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: VA

Complaint narrative:
FTC / CFPB Complaint Report Complainant : XXXX XXXX XXXX SSN ( Last 4 Digits ) : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Summary of Complaint I am submitting this complaint regarding multiple inaccurate, incomplete, and unverifiable negative items currently reported on my credit reports with Experian, TransUnion, and Equifax. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) and contribute unfairly to the suppression of my credit score.

Violations Cited FCRA 609 ( a ) ( 1 ) : Inability to provide verifiable, complete documentation from original creditors.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate or delete inaccurate or unverifiable information within 30 days.

FCRA 623 ( a ) ( 5 ) : Furnishing of outdated or incomplete data.

FCRA 607 ( b ) : Failure to maintain maximum accuracy in reporting.

FDCPA 809 ( b ) : Failure to validate debts ( in the case of collections ). 

Affected Accounts Experian XXXX XXXX ( 8 accounts ) Charged off and past due, inconsistent reporting. 

XXXX XXXX XXXX XXXX XXXX No debt validation, balance discrepancies. 

TransUnion XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Days Late ( XXXX ). 

XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Paid Charge-Off still marked derogatory. 

XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Paid Charge-Off, negatively impacting score. 

Equifax XXXX XXXX ( Same charged-off accounts as Experian, presumed reporting to Equifax ) . 

XXXX XXXXXXXX ( Reported delinquency and charge-off status ). 

XXXXXXXX XXXX  Paid in full but listed as derogatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-06-09 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: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-06-09 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: GA

Complaint narrative:
LVNV Funding, via XXXX XXXX XXXX XXXX, and resurgent Capital Services is attempting to collect a debt that I do not owe and has failed to properly validate this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). 
I submitted a formal dispute requesting full validation, including the original signed contract and legal proof of transfer. They instead sent a verification summary that lacks the legally required documentation.

Additionally, they never sent me notice of this debt within five days of acquisition, and there is no certified mail or signed receipt to prove I received any such notice. This is a direct violation of 15 U.S. Code 1692g ( a ).

Furthermore, LVNV Funding LLC has a documented history of FDCPA violations and misleading practices, as found in the CFPBs own public enforcement database. 
( IDs : XXXX, XXXX, XXXX, XXXX ) I request immediate intervention to have this tradeline removed from my credit report and that they cease further collection attempts. 

Requested Resolution : Immediate deletion of the account from my credit file with all three major bureaus.

Cease all collection activities.

Written confirmation that this account is removed and no longer being pursued. 

I have also included the packet of information I have sent to the creditors and the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
The issue involves a debt collector, Sequium Asset Solutions, attempting to collect a false debt on behalf of XXXX XXXX headquarters of an apartment complex I previously lived in, located in XXXX XXXX, California. 

I paid my balance in full prior to moving out on XX/XX/year>, and even received a refund from XXXX after my move-out. The XXXX XXXX XXXX apartment manager, XXXX XXXX, confirmed in writing on XX/XX/year>, that my account was fully settled and that no balance was due. Her email is attached below. 

Despite this, I have continued to receive messages from XXXX XXXX headquarters and now from Sequium Asset Solutions, falsely alleging that I owe over {$17000.00}. I followed up with XXXX XXXX requesting that XXXX update their records and formally withdraw the false claim, but I have not received confirmation that this was done. 

Additionally, I contacted the XXXX XXXX XXXX assistant manager, XXXX XXXX, who stated that he does not recognize the party making the debt claim. 

XXXX XXXX XXXX XXXX office, XXXX XXXX XXXX, and Sequium Asset Solutions have each referenced different account numbers in their communications with me, adding to the confusion and making it difficult to verify or reconcile the source of the claim. This inconsistency must also be investigated and resolved. 

I also spoke directly with a representative from XXXX XXXX headquarters after receiving repeated phone calls. I explained that the account had been settled and urged them to verify this with the local apartment office. Nevertheless, XXXX continued to issue debt claims. Sequium Asset Solutions is now sending me daily text messages with aggressive and alarming language. 

This ongoing issue is distressing and unacceptable, particularly given that the debt is invalid and has already been acknowledged as paid by XXXX local management. Below is a screenshot from the XXXX XXXX clearly showing a XXXX balance on my account. I've also attached the email communication from the apartment manager indicating that my balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX  XXXX ) 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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I'm trying to look at my monthly statement online at Comenity Loft before paying my bill. While i can pay my bill without going into my account, I can't look at my statement. I dont get a paper statement cause they charge for those. I forgot my password and the website won't let me reset it. It puts me in a circle. I've tried chatting with Comenity but you need to log in to do that. I've tried calling customer service, but once I finally get connected to a person, it hangs up on me. HELP!!!! I've spent over an hour trying to connect with a real person. This happens every month. The website doesn't accept my password and it's impossible to connect with a real person for help. Can they keep me out of my account like that, especially since it's the only way yo see my statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Last fall Kohls switched over the processing of their store card to capital one, ever since then I stopped receiving notifications when my bill was due, I then received a 30 day late mark on my credit report back in XXXX, I filed a dispute with kohls and they claimed everything on the report was accurate, I just got ANOTHER 30 day late mark on my credit report so I looked through my emails to confirm I did not receive a notification, and I did NOT. I called kohls and they confirmed with me that My notifications had been turned off, they accused me of doing this, I DID NOT! I asked them for a letter stating that the notifications had been turned off, they said they would not provide this for me. I then asked for an audio recording of the phone call, and they refused to provide that for me as well

Company response to consumer: Closed with explanation