vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt is over XXXX XXXX XXXX The title holder had contacted my insurance without my consent when the vehicle was totaled in a rear end collision. 
the insurance paid the rest of the vehicle but there was a XXXX balance supposed to be covered by XXXX. 

XXXX denied the request over bogus false claims. 

it has been over 7 years and the debt had already been removed for it to come back.

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

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXXXXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/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 2025-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I was called by a debt collection service by the name of Capio. The young lady explained to me that XXXX XXXX XXXX XXXX XXXX sold my debt to them. 
My insurance company paid the debt, and the owing balance was {$270.00}. I told her that the XXXX XXXX XXXX XXXXXXXX XXXX said they would pay off the remainder because I was not working at the time. The total bill was {$4000.00}. 
XXXX XXXX XXXX are aware of an XXXX  I had in XX/XX/year>. They are aware that I have attorneys, and they are trying to financially exploit me and my family. 
I am writing details about this incident because even the bill from my XXXX  of XXXX  was not paid or processed immediately. It was sent to their attorney department in order to exploit more money from me. 
I am XXXX XXXX XXXX with XXXX, and I want everyone to know what XXXX XXXX XXXX XXXX XXXX has done.

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

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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

Complaint narrative:
I recently reviewed my credit report and noticed all my inaccuracies over the past few weeks and months. I waited to submit my complaint when I had substantial proof and admission that XXXX, an untrustworthy credit repair company violated my trust and took payment without services and damaged my payment history, which is 35 % of total credit score. I'm hurt, angry and can't provide a home for my family with my benefits due to this situation. 

It started in XXXX XXXX XXXX  This has been a nasty battle ever since Im reaching out for comfort and relief. XXXX would not expedite the wrongdoing and has left me helpless. I have submitted documentation of the admission and hope that is enough to have all XXXX credit bureaus report positive remarks on my report and restore it back to the excellent position I had with payment history at 100 %. I can not name all the companies with missed payments because they fluctuate and triggered at the same time. Please investigate and hope XXXX showing total fault is sufficient.

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 2025-06-06 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: VA

Complaint narrative:
I am writing to dispute several credit inquiries listed on my report that I did not initiate or authorize. These inquiries are a result of someone fraudulently using my personal information without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, I took advantage of a Capital One shopping offer through my Venture One credit card account I have with the company. The offer was for XXXX home internet and the deal was to start a new internet service with the company through a link provided by Capital One to receive XXXX bonus miles added to my travel rewards account. I followed the instructions and started my new service, getting rid of my old internet provider because the offer was too good to pass up. When I used my card XXXX did not charge it at the time, it just held my information on file. 
I called Capital One a week later to tell them I took advantage of the offer but I still didnt see my rewards bonus, I even told them that XXXX did not charge my card at the time it just held it on file, the customer agent I spoke to said these things can take time and wait until I get my first bill, that might activate my rewards bonus. Unfortunately that wasnt the case and this would begin a series of calls and run arounds I got from the company regarding this offer. Each agent I spoke to afterwards would tell me something a little different regarding the waiting period for the rewards until the last agent I spoke to told me to call in XXXX. That would have marked 45 days since the reward purchase and then they could open an investigation. 
On XX/XX/year> I called for the final time to inquire on the bonus rewards. After getting transferred to the rewards department to talk to another agent. I was informed that I wasnt eligible for the rewards because I did not meet the requirements and it wasnt anything that they can do. I asked what was the requirements, because again I been calling about this issue since the beginning and did not get any answers or assistance in this matter, just call back. The agent wouldnt tell me so I asked could I speak to their supervisor. When I spoke to the supervisor he just gave me his first name, XXXX and I explained the situation to him. He told me the requirement that made me ineligible for the offer was I did not purchase my equipment. I told him it was not my fault that XXXX XXXX never charged me for the equipment and if that was the case, then why was the offer on the site that day? He apologized again and told me it was nothing he can do. I asked could I file a complaint he said yes, I could with him and what did I want to say, so I repeated my issue and again and asked for a reference number, he said they didnt do that and it would just be on my file. 
This was completely unacceptable, how I am supposed to know that Capital One is going to take measures that something like this doesnt happen again or is even taking my complaint seriously without t a reference number. They had no interest in making this right and were already not keeping track of me calling multiple times before this issue reached over 45 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 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: AL

Complaint narrative:
I am filing a complaint regarding multiple hard inquiries on my credit report made in a short time frame, presumably by third-party lenders. I may have authorized a single application, but I did not consent to multiple credit pulls from various institutions.

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 2025-06-06 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: AZ

Complaint narrative:
Im reaching out because theres an item on my credit report that I believe is inaccurate and not in line with the Fair Credit Reporting Acts requirement for 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 non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} Inquiries XXXX XXXXXXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX LENDING Date : XX/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 2025-06-06 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: IN

Complaint narrative:
On XX/XX/XXXX attempts were made to acquire a pre-approval for a new mortgage loan. Per bank contact, discussed on XX/XX/XXXX, credit bureaus report states there is a rolling thirty being documented stating the loan has been late for the last 6 months. This is untrue. There is only one true late payment on the entirety of the loan life that would negatively affect the credit report, dating back to XXXX. This is affecting the ability to get any type of approval and setting back the selling date of the property. Also, obviously negatively effecting our credit report. Attempts were made with XXXX, the mortgage company, to settle this or see where the error was made, but, per XXXX and XXXX, there is nothing showing on their end as to why this is happening. A credit dispute has been filed as of XX/XX/XXXX, with a promise from XXXX to have an investigation completed within 30 days of today. This is negatively effecting the possible sell of the current property and pushing that back until dispute is resolved. Essentially placing a large hold on our current life.

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

Complaint narrative:
Ive received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. 

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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I have repeatedly received phone calls and voicemails from Receivables Management Services LLC DBA RMP Services LLC to collect a debt. I have gotten about XXXX calls in the past week and at least XXXX calls every day since XX/XX/2025. All of the numbers that have called are all different with either a automated person talking and leaving voicemails or a live non-speaking English Person. I have continuously asked for them to stop calling and harassing about an alledge debt. However they still continue to leave voicemails and call my phone number day in and day out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: PA

Complaint narrative:
I try to get my money on the XXXX the card didn't work on the XXXX I was told to send a picture of my license and the next reply that the photos was to dark and I sent in XXXX more photos then I was told it would take XXXX hrs after the photos they send it going to take XXXX and I'm still waiting to hear from XXXX XXXX I can't pay my bills I tried to get XXXX XXXX application on my phone things started to change trying to look at my account all of this going on I can't pay my bills people don't want to hear what you have to say

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TNT Financial, Inc.
State: MI

Complaint narrative:
On XXXX I purchased and vehicle from fast finance auto sales my consumer credit limited provided enough to cover the cost of the vehicle they then tried to reassign a interest contract to tnt fincial inc in the amount of {$18000.00} after the contract was signed and paid for without my authority and also deposited the contract with XXXX bank for XXXX XXXX XXXX. They attempted to repossession the vehicle which was dangerous the tow driver was carrying a weapon and threatened me for possession of the vehicle by force. Then hired a private service to stalk me and tried to serve me with a law suit for the additional interest for a contract I was coerced into to and they switch the whole responsibility over to another company that I did not make the deal with I only purchased from fast finance auto sales not tnt fincial they also took a cash deposit of {$1000.00} And they is against the rules

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed some inquiries that I did not authorize. These were not made by me, nor did I give anyone permission to use my information for such purposes.

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 2025-06-06 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Clear Recovery, Inc.
State: TX

Complaint narrative:
A debt related to Nebraska XXXX XXXX is being reported on my credit report by a company called Clear Recovery. The reported balance is {$6000.00}, and the reference/account number is XXXX. 

I am disputing this account under the Fair Credit Reporting Act ( FCRA ) because I have not received proper documentation validating the debt, and I believe the reporting may be inaccurate or incomplete. 

The original creditor ( XXXX XXXXXXXX XXXX ) has confirmed they no longer own the account, and yet the current furnisher ( Clear Recovery ) has not provided sufficient verification or clarification of their right to report this debt. 

I am requesting that this company verify the debt or remove the account from my credit report, in accordance with the FCRA. I also ask that the credit reporting agencies investigate and ensure that the information is complete and accurate. 

This entry is affecting my credit standing and appears to be unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im writing to dispute the way one of my accounts is being reported. According to 15 USC 1666B, this qualifies as a billing error. Ive always paid this account on time and as agreed, and theres no valid reason it should be showing anything different.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute and report fraudulent activity associated with my identity in connection with an account opened with XXXXXXXX XXXX. I am a victim of identity theft and was incarcerated in federal prison from XX/XX/XXXX through XX/XX/XXXX. It would have been impossible for me to open or authorize any account during that period. 

Despite submitting the necessary documentation to both XXXXXXXX XXXX and the credit bureaus, I continue to receive responses stating that the disputed information has been verified. This can not be accurate given my incarceration status at the time the account was allegedly opened. 

To support my claim, I am including official incarceration and release records, my identity theft report filed at IdentityTheft.gov, and the police report submitted through the Identity Theft and Incident Crime Center ( I3C ), as directed by the XXXX XXXX Metropolitan Police Department. 

I respectfully request that XXXXXXXX XXXX conduct a thorough investigation into this matter and take immediate steps to remove the fraudulent account from 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
We were able to prove that we didnt owe money so it was dismissed. We have continuously received calls and emails from XXXX. We have also had more calls and mail from other third party collectors when they said they would handle notifying them that nothing was owed. We have spent more than a year dealing with both. It has affected my credit and I have been going through hoops and just keep getting told the same thing. That it was dismissed and handled but I still continue receiving mail and calls saying I owe.Now I receiving letters from True Accord saying I owe money that I didnt even owe to begin with.

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