vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC
State: NY

Complaint narrative:
In XXXX of XXXX I received a letter from a debt collector about a vehicle I had got in XXXX. The letter gave me XXXX options with XXXX option being me making XXXX  monthly payments of {$410.00} and if I did so the debt would be settled or option XXXX we discuss a date and time for them to pick up the vehicle and they would then auction it and whatever they received would be that the debt would be considered payed off. I called and spoke with a representative of Jefferson capital systems llc and made it very clear with this person that I would make the XXXX monthly payments if and only if they would be able to send me a copy of the title just so I can have the vehicle registered and put back on the road because I did not want it sitting in my drive way for XXXX more months, the representative said that I would indeed get a copy of the title, the following month I make my XXXX payment and I ask them about the title for the vehicle I was supposed to receive, the representative then said they seen the note in their computer for the title to be sent to me and that she would reach out to have it sent. As XXXX more month passes by I still didnt receive anything, So I call back and make the XXXX payment and I ask yet again about the title and inform them I still didnt get it then they tell me that they dont send the title out, the representative asked me to wait a minute and placed me on a brief hold, after she returned she said she spoke with her XXXX and her XXXX gave her the okay to send the title because I was told that I was going to get it, a few weeks pass and I receive a XXXX report I call and ask to speak to the XXXX and inform her that that is not the title nor is it efficient to register my vehicle, the XXXX then informs me that they do not have the title to send to me, I expressed my frustration and told her I made it clear I did not want to chose the payment option if I could not register the vehicle. XXXX months pass by and I get a letter from Jefferson capital systems llc station that I owe {$15000.00} and have until a certain date to pay it or they will repossess said vehicle, auction it off, then take the remaining balance from my wages. This would of never happened if they didnt tell me they would send me the title in the XXXX place I made it very clear I didnt want to chose the payment option if I could not put the vehicle on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
Re : Identity Theft Block Request 15 U.S.C. 1681c-2 ( FCRA 605B ) Urgent Action Required Within 4 Business Days To Whom It May Concern : I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( also referred to as Section 605B ). I am a victim of the Equifax Data Breach, and I am formally demanding that you permanently block and delete from my credit report the fraudulent accounts listed below, within the statutorily required 4 business days of receipt of this notice and accompanying documentation.

I have substantial reason to believe that my personal information was compromised in the Equifax data breach disclosed in XXXX, which exposed the sensitive personal data of over XXXX XXXX individuals. As a result of this breach, unauthorized accounts were opened in my name without my knowledge or consent, and these inaccuracies are now negatively impacting my credit profile. 

Below is a list of the accounts I am disputing as fraudulent and requesting be immediately removed from my credit file 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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I had previous complaint they still havent show any proof of investigation being done properly my information was breached in 2017 equinox data break I am requesting all hard inquiries and soft inquiries until last complain deleted because someone was using my information

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I had previous complaint they still havent show any proof of investigation being done properly my information was breached in 2017 equinox data break I am requesting all hard inquiries and soft inquiries until last complain deleted because someone was using my information

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Charge-Off & Notice of Legal Rights under the FCRA Dear TransUnion Dispute Department , I am writing to dispute a charge-off account being inaccurately reported on my TransUnion credit file. This account, allegedly reported by XXXX XXXX does not appear on my XXXX XXXXr XXXX  credit reports, suggesting the data reported to TransUnion is inaccurate, unverified, or incomplete. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am exercising my right to request a reasonable reinvestigation into this account. If you can not verify this item with reliable documentation within the required 30-day timeframe, it must be deleted from my credit report, as mandated by federal law.

Please provide the following documentation during your reinvestigation : 1. The name and address of the original creditor ; 2. A clear explanation of how the information was verified ; 3. Any documentation provided by the creditor ; 4. Written confirmation of any deletions or corrections. 

As you are aware, TransUnion has previously settled lawsuits related to FCRA violations including a {$23.00} XXXX federal settlement in for misleading credit reporting practices. This establishes a legal precedent and reinforces the importance of your obligation to report only accurate, verified, and up-to-date information I also was infected by the data breach. 

If TransUnion continues to report this inaccurate item or fails to conduct a lawful reinvestigation, I reserve the right to pursue legal action under 15 U.S.C. 1681n and 1681o, which provides for actual, statutory, and punitive damages, as well as attorneys fees.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Arbitrary Debit Card Cancellation During International Travel Bank of America During a one-month international trip to XXXX, Bank of America canceled my debit card on XX/XX/XXXX, without any prior notice, allegedly due to suspicious activity. I was not contacted to verify any transactions before the cancellation occurred. As a result, I was left without access to my funds while abroad, and I was forced to go into debt in order to cover basic travel expenses such as buying my return flight ticket, transportation, lodging, and food.

Prior to my departure, I had called Bank of America to inform them about my month-long international travel plans and clearly stated that my U.S. phone number would not be working while I was abroad. Despite this, the bank canceled my debit card and made no attempt to reach me through alternative means such as email, in-app messages, or secure alertsmethods that were available and could have prevented this issue.

This action was both unjustified and negligent, especially considering that I had taken all appropriate steps to ensure continued access to my funds. Being stranded in a foreign country like XXXX without access to money was extremely stressful and disruptive. Upon returning to the U.S., I found that a new debit card had been issued and sent to my address, but no explanation, support, or apology was ever offered by the bank during or after the incident.

Bank of America 's failure to provide timely support or alternatives at a critical moment caused significant financial and emotional hardship. The mishandling of the situation severely disruptedand ultimately ruinedmy travel experience. I am formally requesting a full investigation, an official apology, and appropriate financial compensation for the losses and distress I endured as a result of the banks actions.

Sincerely,

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: 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: SC

Complaint narrative:
I have tried disputing errors on my report thru Experian. Not only did they not fix the reporting, but they didnt even investigate the errors so they are continuing to show factually incorrect info

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 2025-06-08 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: AZ

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX ( now doing business as XXXX XXXX XXXX XXXX ) that is currently listed as a charge-off on my Equifax credit report. 

The original date of first delinquency was around XX/XX/XXXX, yet the account continues to show XXXX late payments from XX/XX/XXXX through XX/XX/XXXX, which is not only false but also a likely violation of the Fair Credit Reporting Act ( FCRA ). 

Once an account is charged off, there should be no ongoing late payment reporting, and the 7-year limit for negative items is counted from the original delinquency, not from later updates. 

The account also lists Last Updated : XX/XX/XXXX, which makes the debt appear much newer than it actually is, and is likely causing an artificial drop in my credit score. 

I have not made any payments or had any communication that would justify new activity. This appears to be re-aging of the debt, which violates FCRA Section 605 ( c ).

I previously disputed this directly with Equifax, but the item was verified without correcting the re-aging or removing the inaccurate 90-day lates.

Please note from the PDF that the dates in the report, which I have attached since these agencies like to claim that they don't have enough info to proceed, don't even tie to each other. If you look at it closely, you will understand why I don't agree with it. 

Narrative codes like 067, 174, 238 show combinations of : 067 = 90 Days Past Due 174 = Account Paid With a Settlement XXXX = Charge-Off XXXX + XXXX + XXXX : Contradictory Status Theyre reporting the account as : 90 days late every month ( XXXX ) Charged off ( XXXX ) Still showing full amount charged off ( XXXX ) This creates triple-negative reporting for the same account, which amplifies the credit damage unfairly. 
After a charge-off, you can't keep accumulating new 90-day late marks thats re-aging, plain and simple. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: MA

Complaint narrative:
A debt of {$390.00} was added onto my credit report on XX/XX/year> with no explanation of where it came from or the original creditor. I attempted to dispute but nothing has changed and I still have no idea where this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received an unsolicited credit card from Chime. The card was mailed to me and is under my name. I called customer service and asked if an account was made under my name. They confirmed an account was made under my name and forwarded me to the fraud department. I then requested the account be closed.

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: IL

Complaint narrative:
My credit report lists multiple addresses that I have never lived at and are not tied to my verified identity. I sent a formal dispute requesting that these outdated and inaccurate addresses be deleted. Despite this, they remain on file.

Reporting unverifiable personal information is a violation of FCRA 1681e ( b ), which requires consumer data to be accurate and relevant. Keeping old or incorrect addresses in my file increases the risk of misreporting and identity confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: TX

Complaint narrative:
Unfortunately, due to unforseen serious medical circumstances and bills related to those circumstances, I had to declare bankruptcy. My husband did not declare bankruptcy, and remained contractually liable for our mortgage. I signed a reaffirmation agreement as soon as I was able to. We have ALWAYS paid our mortgage, never missed a month even during my bankruptcy. My bankruptcy has now been discharged. LoanCare took online access away from us. We can not get ahold of them via phone, my husband has tried several times, and they will not respond in writing either. Luckily, I figured out how to set up payments through our bank. However, I can not pay anything additional towards escrow or the principal nor can I see our balance. I do not know how Loancare can do this when my husband has always remained contractually liable. They also added on an additional fee for the reaffirmation which I did not notice until later. That is pretty awful. We have been with them for many years after our mortgage was sold off several times. They have never been great as far as customer service. I have let them know many times that we are school district employees that only get paid once a month and that date is a few days past our due date, they do not respond regarding that and they add a late fee, but this current issue really needs to be fixed. I have emails dated XX/XX/XXXX and XX/XX/XXXX where we asked that our online access be restored. Their only response is to call customer service but then they don't answer the call.

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 2025-06-08 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: NY

Complaint narrative:
Re : Identity Theft Block Request 15 U.S.C. 1681c-2 ( FCRA 605B ) Urgent Action Required Within 4 Business Days To Whom It May Concern : I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( also referred to as Section 605B ). I am a victim of the Equifax Data Breach, and I am formally demanding that you permanently block and delete from my credit report the fraudulent accounts listed below, within the statutorily required 4 business days of receipt of this notice and accompanying documentation.

I have substantial reason to believe that my personal information was compromised in the Equifax data breach disclosed in XXXX, which exposed the sensitive personal data of over XXXX XXXX individuals. As a result of this breach, unauthorized accounts were opened in my name without my knowledge or consent, and these inaccuracies are now negatively impacting my credit profile. 

Below is a list of the accounts I am disputing as fraudulent and requesting be immediately removed from my credit file 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 2025-06-09 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: TX

Complaint narrative:
I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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: EQUIFAX, INC.
State: IL

Complaint narrative:
On Equifax report there are hard inquiries on my credit report that are result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted legally sufficient identity theft documentation to all three bureaus under FCRA 605B. These included a notarized affidavit, FTC report, highlighted XXXX  report dated XX/XX/XXXX, and proof of identity, all mailed via certified mail. Some accounts were removed selectively, but key violations remain. 

XXXX dropped my score nearly 30 points and failed to add the required consumer statement. XXXX and Experian continue reporting unverifiable accounts, inaccurate names, and false public records. 

I demand enforcement of FCRA 605Bs 4-day deletion requirement and GLBA XXXX for unauthorized reporting and improper personal data use. Please reference my XX/XX/XXXX uploads. This is my final request before initiating arbitration and pro se legal action under FCRA 1681n and GLBA 6805.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Loan information is stated to be at a completely bogus address which has been disputed with transunion and will be disputed again. It looks to be duplicated information ( paid ) forty years ago or an erroneous bill. Plus XXXX XXXX was filed and all avenues were used to notify any creditor. The agency will not accept certified mail or request by mail go unanswered and ignored. If in fact there was a bill and it was sent to a crazy address perhaps it was not even obtained by myself. Please advise as I just want it to be off of my credit report especially the bogus address.

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