vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute the following negative accounts listed on my credit report. These accounts are the result of identity theft and were not opened, authorized, or initiated by me. I have no knowledge of these accounts, and they do not reflect my true credit history or financial activity. 

As a victim of identity theft, I have submitted an FTC Identity Theft Report ( Report # : XXXX ) and am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605B. I am requesting that these accounts be immediately investigated, blocked from my credit file, and permanently removed from all credit reporting agencies.

The fraudulent accounts include : 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 These entries are damaging my credit and misrepresent my financial history. I am requesting that they be deleted from my credit file, that no further collection activity occur, and that I receive written confirmation of the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: LA

Complaint narrative:
I am sending to formally address discrepancies on my credit report and to request a fair resolution. I respectfully ask that you review and correct any inaccuracies related to my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. 

The following information needs to be verified and updated if found to be incorrect, outdated, or unverified : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am sending to formally address discrepancies on my credit report and to request a fair resolution. I respectfully ask that you review and correct any inaccuracies related to my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. 

The following information needs to be verified and updated if found to be incorrect, outdated, or unverified : Personal Information : 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 XXXXXX/XX/year>

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 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I, XXXX applied for a consumer credit grant by way of an application for notes, 12 USC 412, with GM financial and XXXX of XXXX for a vehicle purchased for personal, family and household use. 

I submitted an application for an extension of my own credits but was unlawfully denied. 

After a thorough investigation it has come to my attention that this was a severe violation against my consumer 's rights being restraint of trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BAY VALLEY MORTGAGE GROUP
State: GA

Complaint narrative:
XXXX. Double-Pledged Assets XXXX nor XXXX XXXX  ( the original company on the note ) are not the Holder in Due Course and does not have the legal standing to enforce claims against me or my property, as evidenced by the double-pledged assets. Documents related to these pledges are attached, showing that the assets were improperly used for multiple notes, making XXXX XXXX and XXXX liens on my property invalid. Given this PROOF XXXX XXXX and XXXX  must produce the WET ink signature documents that I signed and that would prove they hold a legitimate NOTE and enforceable XXXX. Until they can provide such documentation, they can not assert ownership or enforce any claims. Violating : XXXX XXXX UCC XXXX XXXX. TILA Violations Under the Truth in Lending Act ( XXXX  ) XXXX and XXXX XXXX failed to properly disclose critical terms of the loan, including an overstated APR and miscalculated finance charges. The disclosed APR of 4.3 % was found to be incorrect based on the loan terms and should have been 2.28 %, constituting a significant violation of TILA regulations. The finance charge was also understated, violating XXXX 's requirement to disclose the true cost of the credit. Violating : Truth in Lending Act ( XXXX  ) XXXX XXXX. XXXX et seq. XXXX XXXX. XXXX XXXX C.F.R. XXXX XXXX. Failure to Honor Consumer Protection Laws XXXX and XXXX Views actions are in clear violation of multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair and deceptive practices. XXXX XXXX and XXXX has repeatedly ignored requests for documents PROOVING there are the holder in due course causing undue harm and financial loss to me. XXXX is also failing to comply with the Uniform Commercial Code ( UCC ) and other regulations meant to protect consumers in situations like this. Violating : Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX et seq. Uniform Commercial Code ( XXXX ) XXXX XXXX. Identity Theft XXXX and XXXX XXXX sharing of private consumer information with a third-party company without consent is a violation of privacy laws and constitutes identity theft. This has led to further damages that have not been addressed by XXXX XXXX or XXXX. Violating : XXXX XXXX XXXX XXXX. XXXX et seq Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq Identity Theft and XXXX XXXX XXXX XXXX XXXX. XXXX THEY NEED TO ANSWER THE VIOLATIONS. I HAVE A LOT MORE PROOF OF THE FRAUD BEING COMMITTED INCLUDING THE CUSIP NUMBER ASSOCIATED WITH THIS NOTE. THIS IS MORE THE REASON I'M DEMANDING PENNYMAC OR VALLEY VIEW TO PRODUCE THE WET INK SIGNED NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information. 
3.Written confirmation of the actions taken to resolve this dispute. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Incorrect 30-Day Late Payment Reporting During CARES Act Support I am filing this complaint against TD Auto Finance for inaccurately reporting my account as 30 days late for three consecutive months ( XXXX XXXX ) while I was supposed to be covered under CARES Act protections. 

During this period, I was assured that my account would not be negatively impacted, yet TD Auto Finance failed to provide the correct information to the credit bureaus. Additionally, I have obtained a copy of an article from TD Auto Finances official website that originally outlined their CARES Act support policies, which they have since removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
My affirm account was locked due to unauthorized access. Now my affirm money account is frozen but my regular affirm account is unlocked. I have {$390.00} in this account I need transferred out immediately but they will not unlock my affirm money account. This is my money and I need it transferred to my external bank account for rent by the XXXX of XXXX. I dont understand why this account is frozen but my regular affirm account is unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX, stating that I own XXXX to XXXXXXXX XXXX I called them about this account for more details because I do not recognize this account. I do not own anything XXXXXXXX XXXX I asked them to provide me the debt validation claim, they did not offer with debt validation claim, all they provided me is student transaction report, which I do not recognize, I see on the student report dates, that date I was not in XXXX on XX/XX/XXXX, I called them about more details on this account but they hung up the phone on me, I called multiple times but they refuse to answer my calls. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removedto correct the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I dont know if it was my ex husband or a data breach but I recently checked my consumer report to find fraudulent accounts which has lead me to file a FTC report in which I will be attaching here hoping to get some kind of relief. I will be attaching a receipt dated XXXX of my paid California identification paper as well as my voter registration card to help with verification purposes! XXXX XXXX XXXX XXXX, and my first thoughts were how can I pay these things I never signed up for at my age! Did some research to find the FTC and CFPB for watching XXXX videos and was lead to believe submitting this would be a remedy to this problem. I thank you very much. 
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 2025-03-27 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: NY

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$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 2025-03-27 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: NV

Complaint narrative:
I am sending to formally address discrepancies found in my credit report and to request a fair resolution. I respectfully ask that you verify and ensure the accuracy of my personal identifying information, unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX, NV XXXXXXXX XXXX XXXX Balance : {$260000.00} XXXX Balance : {$10000.00} XXXX Balance : {$4100.00} XXXX XXXX ( XXXX ) Balance : {$0.00} XXXX XXXX ( XXXX ) Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX  Last Reported : XX/XX/XXXX XXXX  XXXX  Card Service Last Reported : XX/XX/XXXX XXXX XXXX XXXX Service Last Reported : XX/XX/XXXX XXXX  XXXX XXXX Last Reported : XX/XX/XXXX XXXX/XXXX  Last Reported : XX/XX/XXXX XXXX  Last Reported : 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 explanation
Consumer complaint received 2025-03-27 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Ive had to file taxes with the IRS Pin for the past 11 years. My personal information has been exposed due to multiple breaches. ( Company Breaches XXXX, XXXX XXXX, XXXX XXXX ) Companies have sent settlement checks and notifications. Unfortunately, the amounts given does not constitute the damage and personal strain it has caused. I have no idea of where these accounts came from. 

Accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
Hi, just trying to clear up these XXXX fraudulent accounts listed on my consumer reports! 
I dont know if my ex husband done these accounts. XXXX so odd years ago he opened a XXXX account in my name without my knowledge and I found the card. I have no proof now as to who Actually actually Accessed my credit report. I did get an alert that I was in a data breach sometime ago. Just trying to find some relief! I am going to attach my California identification receipt dated XXXX along with my voters registration card to help with verification purposes to this complaint. I do thank whoever is helping me with this. 
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