vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-21 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: OK

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments.

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required XXXX provide proof of debt validation within XXXX days or remove the account from my 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 2025-04-21 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: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sulphur Bank Rancheria Enterprises
State: MS

Complaint narrative:
My place of employment received paperwork from another company that has the same servicer as this company stating that they want my wages taken to pay off this loan that I did not apply for nor receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C.
State: WV

Complaint narrative:
I use XXXX XXXX to monitor my credit score and watch for any unusual or unauthorized activity for XXXX  and XXXX. While checking my credit scores, I noticed a company was advertising I could save money by refinancing my car loan. The deal appeared to lower my interest rate from 8.31 % to 5.81 % while maintaining the current loan term and lowering my monthly payment. I researched the company on the XXXX XXXX XXXX ( XXXX  ) and found them to be a positive reviewed company. Therefore, I pressed the button that said, " Take Offer ''. XXXX XXXX XXXX XXXX conducted a hard inquiry on my credit. A representative from Tresl contacted me and inquired for my annual household income. After acquiring my income, the representative informed me they could offer me a loan north of 8 % for 75 months causing my monthly payment to increase. I informed the representative the only reason I applied is because I believed I was getting a lower interest rate. The representative said I could get the lower interest rate, but it would be a for a 36-month term causing my payment to increase even more. I declined their offer. I feel this is a UDAAP violation because the company advertisement appeared to offer me this particular deal or a reasonable person would believe this deal was available to them, but offered me something with worse terms than I had. If I had known the rate and terms were not applicable to me I would not have applied and consented to having my credit pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Didn't know my credit card was in collections and charged off with Vystar. I requested statements that refuse. I been making payments and they report to my creadit as non payment made.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Debt Validation Account Number : [ Insert Account or Reference Number ] Dear LVNV Funding LLC, I am writing in response to a notice I received regarding an alleged debt in the amount of {$1100.00}. This letter is a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. Please provide the following : The exact amount of the alleged debt, including a breakdown of any fees or interest ; The name and contact information of the original creditor ; A copy of the signed agreement or contract showing my responsibility for the debt ; Proof that you are licensed to collect debt in my state ; A complete account history, including the original amount, any payments made, and how the balance of {$1100.00} was determined ; Documentation showing your legal authority to collect this debt, including a chain of assignment or ownership. Until this debt is fully validated, I request that all collection efforts cease. If you are unable to validate this debt, you are required to stop collection activities and remove any information reported to credit bureaus regarding this account. Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : 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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am filing a complaint against PNC Bank for mishandling my dispute regarding an unauthorized transaction that occurred on XX/XX/year>, at a XXXX in XXXX, AL. 

I live in XXXX, AL, and neither I nor my spouse traveled to XXXX or made any purchases there. The transaction was done in person, but I never lost my debit card. Despite that, someone made a purchase using my card without my authorization. 

I contacted PNC to dispute the transaction, but they denied the claim. Their reasoning was that because the card was not reported lost or stolen and the purchase was made in person, I must have authorized it. They provided only a screenshot of the transaction history and did not perform a thorough investigationno video footage, no merchant documentation, and no effort to verify my claim. 

PNCs decision to deny my dispute seems to rest solely on the fact that the card was physically present for the transaction. However, possession of a card does not guarantee the card wasn't cloned or misused. I have been a loyal PNC customer for over XXXX  years and have never filed a dispute before. 

Ive since closed my account due to the way this was handled. I am requesting the CFPBs help in holding PNC accountable for failing to conduct a proper investigation and for attempting to make me liable for a transaction I did not authorize. 

Transaction Date : XX/XX/year> Merchant : XXXX, XXXX, AL PNC Case Reference Number : XXXX Resolution Requested : Full reversal of the unauthorized transaction and a formal investigation into PNCs dispute handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC XXXXb. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/2025 Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Account Number : [ Insert Account or Reference Number ] Dear Midland Credit Management, I am writing in response to a notice I received regarding an alleged debt in the amount of {$1000.00}. This letter is a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. 
Please provide the following : XXXX. The exact amount of the alleged debt, including a breakdown of any fees or interest ; XXXX. The name and contact information of the original creditor ; XXXX. A copy of the signed agreement or contract showing my responsibility for the debt ; XXXX. Proof that you are licensed to collect debt in the XXXX of New Jersey ; XXXX. A complete account history, including the original amount, any payments made, and how the balance of {$1000.00} was determined ; XXXX. Documentation showing your legal authority to collect this debt, including a chain of title or assignment. 
Until this debt is fully validated, I request that all collection efforts cease. If you are unable to validate this debt, you are required to stop collection activities and remove any information reported to credit bureaus regarding this account. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I signed up for an online bootcamp in XXXX, under the pretense that I was receiving a scholarship to cover the tuition only to led to Climb Credit to take out the high interest loan. The contract below is under XXXX  laws, but as a XXXX I'm unaware if it makes a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. CXXXXe XXXXi ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. CXXXXe XXXXn ( Civil Liability for Willful Noncompliance ) and 15 U.S. CXXXXe XXXXo ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. CXXXXe XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. CXXXXe XXXXb ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. XXXXc ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX Municipal Collections of America , XXXX XXXX XXXX XXXX XXXX, IL XXXX sent me a letter stating my husband had an outstanding automated traffic violation from XX/XX/XXXX and that payment was due. 
I sent a letter on XX/XX/XXXX requesting specific information regarding this alleged debt. I responded as my husband has been XX/XX/XXXX since XXXX. 
I received a response from them on XX/XX/XXXX,, XXXX consisting of a photo of the vehicle and license plate and a letter saying payment was due. This however was a picture of a vehicle/license plate that no one in my family now owns or has ever owned. 
This is a fraudulent citation. 
I did not reply to the company for fear that they would try to extract further personal information from me. I am unsure if they are part of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: DISCOVER BANK
State: PA

Complaint narrative:
I filled out the application and XXXX ran a credit check. THERE WAS NO MENTION THAT THEY WILL SHARE MY PRIVATE INFORMATION TO XXXX of companies. Over the XXXX weeks, I have received over XXXX unsolicited calls. I'm talking less then a minute apart. It is UNREAL and unacceptable. They claim it was not them but the credit bureaus. They were responsible for the information I provided to them, they did not notify me, disclaimer, nothing that this may happen or how it would happen. The calls have slowed but I receive on avg XXXX a day. Multiple Discover customer service people knew about this issue when I called. They had no recourse to provide. All they could provide is " we will write a report for feed back. '' That was almost a month ago. Still no follow up or apology. I don't care who leaked the info, DISCOVER provided the information to be leaked. If Discover forced a goat in a lion 's cage and the lion eats the goat. Is it all the lions fault or is Discover responsible? Discover is responsible and absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: CT

Complaint narrative:
Greetings, I appreciate your attention XXXX this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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