vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Global Lending Services LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Global Lending Services Failure to Respond to Dispute ( FCBA Violation ) To Whom It May Concern : I am filing this complaint because Global Lending Services LLC ( GLS ) failed to respond to a written dispute I sent by Certified Mail, which GLS received on XX/XX/XXXX, regarding an auto loan that was funded without my consent. 

Under the Fair Credit Billing Act ( FCBA ), a creditor must acknowledge and respond to a written billing dispute within 30 days. Today is XX/XX/XXXX, which is past the required response period, and I have received no acknowledgment, no investigation results, and no written response of any kind from GLS. 

On XX/XX/XXXX, I signed a retail installment contract at XXXX XXXX ( XXXX XXXXXXXX XXXX ) for a XXXX XXXX XXXX XXXX. 

Before the loan was ever funded, I withdrew my consent from both the dealership and GLS. 

GLS representatives confirmed that multiple notes were added on my account stating that I did not want to move forward with the loan. 

On XX/XX/XXXX, the dealership forcefunded the loan without my authorization, XXXX day before the XXXXday window expired. 

On XX/XX/XXXX, I emailed Global Lending and informed them that I disputed the loan and did not authorize funding. 

On XX/XX/XXXX, I mailed a formal FCBA dispute letter by XXXX XXXX Mail. 

According to XXXX tracking, GLS received the dispute on XX/XX/XXXX. 

GLS has never responded within the XXXXday legal timeframe. 

Violations GLS failed to provide a written acknowledgment of the dispute within XXXX  days. 

GLS failed to conduct and communicate a reasonable investigation.

GLS allowed a loan to be funded after documented withdrawal of consumer consent, which may involve misconduct by the dealership.

GLS continued attempts to collect payment despite the account being formally in dispute, which is prohibited under FCBA. 

I've called them like XXXX times throughout this process and nothing has been done they said just trade it in and that its not in their policy to charge back the dealership. 

Thank you for your attention to this matter. I look forward to your response and investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am disputing the {$6000.00} apartment lease debt being reported by National Credit Systems.

National Credit Systems has repeatedly engaged in illegal and abusive practices, including : 1. Failure to validate the debt I requested full validation in writing, including the signed lease, itemized account charges, move-out statement, and proof of assignment.

NCS has refused to provide any of these documents, which violates the Fair Debt Collection Practices Act ( FDCPA ).

2. Refusal to provide written settlement documentation They verbally offered a settlement reduction but refused to put it in writing, which is required before any payment is made.

3. Refusal to report payments They explicitly stated they would not report any payments, which is misleading and violates reporting regulations.

4. Misleading and obstructive communication NCS told me via email that they are not allowed to provide specifics and requested I call, creating a verbal-only record and avoiding documentation, which is an attempt to circumvent FDCPA and FCRA requirements.

Because NCS can not validate this debt, continuing to report it is inaccurate and illegal under both the FDCPA and Fair Credit Reporting Act ( FCRA ). Reporting an unverified debt is a violation of FCRA 602, 607 ( b ), and FDCPA 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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 received several notices regarding credit denial letters for a auto loan that I never applied for. Upon reviewing my consumer reports I noticed several inaccuracies and unauthorized inquiries with no permissible cause. INQUIRIES : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1600.00} XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX {$290.00} Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX  XXXX ( Acct ending XXXX ; Credit Limit {$300.00} ; Amount Past Due {$66.00} XXXX XXXX shown as Late XXXX  Days ) : - I dispute the accuracy and completeness of late-payment reporting, timing, and balance figures. Verify with original source records ( contract, statements, full payment history ). Delete if unverifiable. XXXX XXXX XXXX / XXXX ( Collection ; Acct XXXX ; Balance {$1600.00} ; Date Opened XX/XX/XXXX ) : - I dispute the entire collection for lack of complete validation and chain of assignment/authority to collect. Provide itemization, original creditor agreement, and notice of assignment, or delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX XXXX and XXXXXXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

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 2025-11-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX XXXX and XXXXXXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent XXXX a validation letter requesting proof of ownership, a payment history and other information I requested. They did not respond with my request and they attached themselves to my credit report like they were an open account which I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
I am submitting a new dispute directed at Equifax for inaccurate and unauthorized dispute notations placed on multiple closed accounts shown in my Equifax credit report dated XX/XX/year>. My only dispute concerns the XXXX XXXX XXXX account ending in XXXX, which is currently open, paid as agreed, and properly under reinvestigation. However, Equifax has improperly applied the narrative code Consumer DisputesReinvestigation in Process to several closed accounts that I did not dispute, including prior charge-off accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others. I did not request, authorize, or initiate any new disputes for these closed trade lines. These dispute notations are factually inaccurate and materially misleading, and they violate the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation limited to the items actually disputed ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting the furnishing of information known or reasonably believed to be inaccurate ). By falsely coding these closed accounts as being under active reinvestigation, Equifax created the appearance that I disputed every negative tradeline on my file, which is untrue and harmful. These inaccuracies can adversely affect underwriting decisions and constitute willful noncompliance under 15 U.S.C. 1681n, making Equifax liable for statutory damages of {$1000.00} per violation, plus actual damages, punitive damages, and attorneys fees. I request that Equifax immediately remove all unauthorized dispute notations from every closed account, correct my report to reflect the true status of each tradeline, and provide written confirmation that only the XXXX XXXX XXXX account remains under dispute as originally requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: MS

Complaint narrative:
I am submitting this statement to explain that I have been a victim of identity theft and unauthorized use of my personal information. I did not apply for, authorize, create, or participate in any of the accounts, transactions, or inquiries that are currently being reported. These items do not belong to me, and I have never given written or verbal permission for any business, lender, or third party to access, pull, or report information on my consumer report. 
I first became aware of the issue after reviewing my credit reports and noticing accounts, inquiries, and negative information that I did not recognize. I immediately confirmed that I did not initiate these transactions, nor did I have any relationship or agreement with the companies reporting these items. The appearance of these entries is the direct result of identity theft and misuse of my personal identifying information. 
I did not authorize these accounts or inquiries, I did not enter into any contract with the furnishers reporting them, and I did not provide consent as required under 15 USC 1681b. These items are inaccurate, unauthorized, and harmful to my credit profile. I am requesting that the credit reporting agencies block, delete, or correct all information that resulted from the identity theft, as required by 15 USC 1681c-2.

This statement is true and accurate to the best of my knowledge, and I am requesting immediate action to remove the fraudulent and incorrect information from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has repeatedly emailed me in regards to missing proof of homeowner insurance, which we have provided three times. Despite sending them the proper information through the correct channels, they are incorrectly claiming we have not provided proof and are threatening to provide their own lender.

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 2025-11-16 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Dear XXXX XXXX, I am writing to formally dispute several hard inquiries that appear on my credit report. I did not authorize these inquiries, and under the Fair Credit Reporting Act ( FCRA ), I am requesting that they be investigated and removed immediately. 

As stated in the FCRA, any inquiry that I did not personally authorize or initiate must be removed from my file. Because I did not apply for credit with these company, these inquiries are not valid and are harming my credit score. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
The 3 Major Credit Bureaus has been reporting inaccurate, incomplete, or unverifiable information, including " Charge Off '' accounts on my credit profile from, XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, in violation of FCRA section 1681s-2 ( b ) ', i filled a written dispute letter by certified mailed XX/XX/year> to all XXXX bureaus requesting verification or deletion of those accounts. In accordance with FCRA section1681s-2 ( b ), i am requesting a XXXX copy from each account " XXXX XXXX '' if any verified. I want full securitization details such as the dates of closing. The name of the trust and assignment contract. I am requesting full validation including itemized statements and contracts. CEASE AND DESIST LETTER This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( b ), regarding inaccurate information related to my consumer report that is being furnished to one or more consumer reporting agencies. I have disputed this information with the Credit Bureaus, and you have been notified of this dispute.

Under section 1681s-2 ( b ), upon receiving notice of a dispute from a consumer reporting agency, they are legally required to conduct a reasonable investigation regarding the disputed information, review all relevant evidence, and correct or delete any inaccurate, incomplete, or unverifiable 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 explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I informed I C Systems that they had the right address but the wrong XXXX XXXX I never lived in XXXX XXXX. I also showed evidence that the property had a fire on XX/XX/XXXX. The dept of buildings placed a vacate order on the building from XX/XX/XXXX- XX/XX/XXXX. So the billing documents that IC Systems provided were impossible. 
This collection appears to be associated with the correct building but the wrong apartment unit, which means the debt is not mine. Additionally, the property was condemned during the period you claim the balance accrued, raising questions about the legality and collectability of any charges. 

Please provide the following : XXXX. Proof that I was the legal tenant of the specific apartment you claim owes this debt. 
XXXX. A full itemized breakdown of the charges. 
XXXX. A copy of the original contract, lease, or agreement showing I am responsible for this balance. 
XXXX. Documentation showing the debt was legally collectible during the propertys condemned status. 
XXXX. Proof that your company is legally authorized to collect this debt. 
XXXX. A copy of the assignment or purchase agreement transferring this debt to IC Systems. 

Until you provide all of the above, you must cease all collection activity, including reporting this debt to any credit bureau. 

If you can not validate the debt completely, you must delete the trade line from all credit reporting agencies Re : Dispute of Inaccurate Collection Request for Deletion Account : IC Systems {$8200.00} FCRA 602 ( A ) & 611 To XXXX XXXX XXXX XXXX XXXX XXXX XXXX IC Systems XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing the collection account reported by IC Systems in the amount of {$8200.00}. Account # XXXX, XXXX Account XXXX. 

The account is factually inaccurate because the alleged debt is associated with the correct building but the WRONG apartment unit, meaning it does not belong to me. 

Additionally, the property was condemned during the period of the alleged charges, making the debt legally questionable, improperly assigned, and potentially uncollectible. 

Under the Fair Credit Reporting Act ( FCRA 602A, 607B, 611 ), you are required to remove information that is : inaccurate incomplete unverifiable Since the apartment number is incorrect and the debt arises from a condemned property, this account can not be verified and must be deleted entirely, not corrected. 

Please conduct a reinvestigation and delete this account from 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 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Date fraud began : Date fraud began : Date fraud began : Date fraud began : Date that I discovered it : Date that I discovered it : Date that I discovered it : Date that I discovered it : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : XX/XX/year> XX/XX/year> {$250.00} Fraud utility bill AMSHER COLLECTION SERV

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this complaint because TD Bank wrongfully denied my fraud claim after I was the victim of a sophisticated impersonation scam involving XXXX, XXXX  XXXX, and unauthorized access to my TD Bank online banking account. 

A scammer impersonated a buyer and then impersonated XXXX support. They socially engineered me over a live call/screen-share and deceived me into believing I was troubleshooting a XXXX issue. Under this manipulation, funds were sent from my TD Bank account through XXXX and later through XXXX XXXX, where they were converted to XXXX under the scammers instructions. I was led to believe these actions were part of the XXXX verification/refund process. 

Most importantly : during this scam, the criminal gained direct access to my TD Bank online banking account. The scammer remotely deposited a fraudulent check into my TD Bank account without my knowledge or involvement. I did not take the photo of the check, I did not initiate the deposit, and I did not authorize the deposit in any way. The scammers placed my name on the check to create the appearance that I was connected to it. This was an unauthorized mobile check deposit and evidence of account takeover fraud. 

I immediately reported the fraud to TD Bank. TD Bank closed my account due to fraudulent activity and opened a new one for me, which shows TD Bank acknowledged that fraud occurred. Despite this, my claim for reimbursement was denied, and TD Bank stated that I authorized the transactions, which is incorrect. These were not voluntary transactionsthey were induced through deception, impersonation, and account takeover. 

A XXXX transfer of approximately {$500.00} originated directly from my TD Bank account, and this was done under impersonation. The fraudulent check deposit was done entirely by the scammer after gaining unauthorized access. The rest of the stolen funds ( of about ~ {$1500.00} ) were transferred into XXXX XXXX and converted to XXXX under the scammers direction. 

Law enforcement has been involved since XXXX. Two detectives returned to my home in XXXX and collected evidence, which I was told indicates the case is active. 

Under CFPB guidance, transactions that occur due to impersonation, social engineering, or unauthorized access are not considered fully authorized. TD Bank failed to properly treat this as fraud even after closing the compromised account and despite the ongoing police investigation. I am requesting that TD Bank reopen my fraud case, investigate the unauthorized access, unauthorized mobile deposit, and XXXX transfer, and reimburse the loss. I have included police documentation, screenshots, and all scam evidence in my past claim and can provide once more if necessary.

Company response to consumer: Closed with explanation