vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: Windham Equity Company
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> Lease and rental man XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Request for IRS Form 1099-C ( Cancellation of Debt ) Account Number : XXXX Dear, Lease and rental man I am writing to formally request a copy of IRS Form 1099-C for the above-referenced account. I believe a cancellation of debt occurred in connection with this account, and I need the 1099-C form for my personal tax records and reporting to the Internal Revenue Service . 

Under IRS rules, creditors are required to file Form 1099-C when a debt of {$600.00} or more is canceled or discharged. If a 1099-C was issued, please send me a copy of the form for my records. If one has not been issued and the debt has been discharged, please advise on when it will be sent. 

Please send the 1099-C to the address listed above or email it to : XXXX, if permitted. 

If this request needs to be submitted in another format or to a specific department, kindly let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, OPENED XXXX, BALANCE {$3100.00}. 
XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX, BALANCE {$11000.00}. 
XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX, BALANCE {$120.00}. 
XXXX XXXX, ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX, BALANCE {$710.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Ga XXXX To : Consumer Financial Protection BureauRe : Complaint Against Jefferson Capital Llc Unlawful Credit Reporting & FDCPA Violations Dear CFPB Officer, I am filing this complaint regarding the actions of Jefferson Capital Llc , a third-party debt collector who is currently reporting a derogatory item on my credit report. This entry is having a severe impact on my ability to secure essential credit, including access to housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Global Lending Services LLC
State: FL

Complaint narrative:
My Credit was ran by a dealership that I have never authorized to obtain my credit report. Someone is attempting to fraudulently obtain a car using my personal info. When I asked the dealer who the person was they said the customer never showed up. I would like this inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My Credit was ran by a dealership that I have never authorized to obtain my credit report. Someone is attempting to fraudulently obtain a car using my personal info. When I asked the dealer who the person was they said the customer never showed up. I would like this inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
My Credit was ran by a dealership that I have never authorized to obtain my credit report. Someone is attempting to fraudulently obtain a car using my personal info. When I asked the dealer who the person was they said the customer never showed up. I would like this inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I am writing to formally notify the Federal Trade Commission ( FTC ) that I am a victim of identity theft and to request your assistance in addressing the fraudulent activity and associated damage to my credit reports. 

Recently, I discovered unauthorized accounts and inquiries on my credit reports from [ specify which credit bureaus : XXXX, Experian, TransUnion ], which I did not open or authorize. These items are the result of criminal misuse of my personal information, and I am requesting the permanent removal of these fraudulent entries in accordance with federal law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am exercising my rights as an identity theft victim to request that all information resulting from identity theft be blocked from my credit file. The FCRA mandates that consumer reporting agencies must block the reporting of information that a consumer identifies as resulting from identity theft within four business days of receiving appropriate documentation, which includes : A copy of a valid identity theft report Proof of identity Identification of the fraudulent information Additionally, the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S.C. 1028 ) criminalizes identity theft and empowers the FTC to assist victims. Under this act, the FTC has the authority to record and investigate identity theft complaints and coordinate with law enforcement. 

Please consider this letter my formal request that you : Investigate the identity theft complaint I am submitting. 

Record this matter in your Identity Theft Data Clearinghouse. 

Coordinate, as necessary, with the consumer reporting agencies to enforce my rights under federal law. 

Provide any relevant guidance or documentation I can use to expedite the removal of these items. 

I have filed a police report and enclosed a copy along with an Identity Theft Report ( FTC Affidavit ), a copy of my government-issued ID, proof of residence, and a detailed list of the fraudulent items appearing on my credit report. 

I respectfully request your assistance in ensuring that my rights under the FCRA and other federal statutes are fully protected and that my credit reports are promptly corrected.

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 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 ( CFPA ). 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 ( EFTA ) and REGULATION E. 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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Karma, LLC
State: VA

Complaint narrative:
Credit karma is reporting I have a account in collection that is not on my credit report from none of credit XXXX XXXX XXXX XXXX XXXX it will not let me dispute on their web site

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding a business credit card account with Bank of America that was closed by the bank. The outstanding balance on the account is approximately {$900.00}. I have been making consistent minimum payments of {$35.00} each month. However, after the account closure, the bank started charging me nearly {$22.00} in additional fees monthly something that never happened before the account was closed. 

These fees make it nearly impossible to pay down the balance. I am concerned that this is a form of predatory lending or abusive billing. I request that this be investigated and the unjustified fees removed.

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 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
In late XX/XX/year>, I submitted multiple written requests to XXXX to revoke ACH authorization for future withdrawals, as is my legal right under the Electronic Fund Transfer Act ( Regulation E ). I clearly stated that all access to my bank account must be revoked and requested written confirmation. Instead of honoring my request, XXXX sent vague, generic emails and continued sending notices about failed payments and attempts to settle the balance via linked accounts. 

XXXX has not acknowledged my ACH revocation and appears to be ignoring federal law by maintaining debit access without my consent. Ive made good-faith efforts to resolve this directly and have documented all communication. Their refusal to comply undermines my right to protect my account from unauthorized debits. 

This behavior resembles practices used by tribal lenders who claim exemption from state and federal regulation, even though XXXX is subject to U.S. consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable of Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-01 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable of Information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX  # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MO

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX  XXXX, PA XXXX RE : Fraudulent Truist Account Identity Theft Notification and Request for Immediate Action under FCRA Section 605B Dear XXXX XXXX XXXX I am writing to inform you that I am a victim of identity theft, and fraudulent activity has been reported on my credit file. Specifically, a XXXX XXXX  account has been inaccurately reported on my credit report. This account was not opened by me, nor did I provide any knowledge, consent, or approval for such an account to be created in my name. 

In addition to this fraudulent account, I have discovered that other unauthorized credit cards and financial accounts have been opened in my name, and in some cases, my mail was unlawfully re-routed as part of the identity theft scheme. These criminal actions have had a significant impact on my personal and financial wellbeing. 
I am formally requesting, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that you block this inaccurate information from my credit file and cease reporting this fraudulent XXXX  account, as well as any other accounts confirmed to result from identity theft.

Enclosed, please find the following supporting documents : A copy of my Identity Theft Report, i Proof of my identity, including a government-issued ID and proof of address. 

Relevant materials from the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) outlining your legal obligations as Credit Reporting Agencies in responding to identity theft disputes under FCRA.

You are legally required to block fraudulent information from my credit report within four business days of receiving my identity theft report and supporting documentation. You must also notify the furnisher of the disputed item ( s ), in this case, XXXX XXXX, of the block as required by law. 

Please confirm in writing that the fraudulent item has been blocked from my credit report and that the furnisher has been notified. I appreciate your immediate attention to this matter and expect your compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
To Whom It May Concern, I am contacting you to formally notify you that I am a victim of identity theft. Fraudulent accounts and/or transactions have been made using my personal information without my knowledge or consent. I did not authorize these actions and they do not reflect my financial activity or responsibility.

Pursuant to 15 U.S. Code 1681c2, also known as Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to request that all information resulting from this identity theft be blocked from my credit file. This section mandates that a consumer reporting agency must block any information resulting from identity theft within four ( 4 ) business days of receiving : 1. Proof of the consumers identity, 2. A copy of an Identity Theft Report ( such as one filed with the FTC or a police report ), 3. The identification of the fraudulent information, and 4. A statement from the consumer that the information is not related to any transaction they made.

I have enclosed/attached the following documentation to satisfy these legal requirements : A copy of my government-issued ID ( proof of identity ), A copy of the Identity Theft Report I filed at [ IdentityTheft.gov ], A list of fraudulent items to be blocked or removed, A sworn statement that these items were the result of identity theft and not transactions made or authorized by me.

I also request that a fraud alert or extended fraud alert be placed on my credit file and that you send me a free copy of my updated credit report once the fraudulent information has been removed or blocked.

Please take this matter seriously. Non-compliance with 15 USC 1681c2 may constitute a violation of federal law, and I am prepared to take further legal action if necessary.

Thank you for your immediate attention to this matter. Please confirm in writing once the requested actions have been completed. 

Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Untimely response
Consumer complaint received 2025-06-01 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: TN

Complaint narrative:
Experian, TransUnion, and Equifax still have inaccurate addresses, phone numbers, and employers on my credit report. There all are inaccurate/unauthorized as the credit bureaus refuse to remove them off 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 2025-06-01 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: TN

Complaint narrative:
Experian, TransUnion, and Equifax still have inaccurate addresses, phone numbers, and employers on my credit report. There all are inaccurate/unauthorized as the credit bureaus refuse to remove them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint due to multiple serious violations by Lobel Financial in how they are reporting a charged-off auto loan account on my credit reports. 

First, the account contains inconsistent last payment dates across the three credit bureaus : XXXX  reports XX/XX/year>, while XXXX  and XXXX  show XX/XX/year>. This inconsistency violates the Fair Credit Reporting Act ( FCRA 611 ) which requires that all information reported be accurate and consistent. 

Second, this account is time-barred under Texas law XXXX as the last payment was made in XXXX. Texas has a 4-year statute of limitations on debt collection under Texas Civil Practice & Remedies Code 16.004 . No legal action can be taken to collect this debt.

Third, the balance on this account was recently increased, which is a serious issue. Under Texas Finance Code 392.303, it is illegal to attempt to collect interest or charges on a charged-off account unless specifically authorized. I have not made any payments or signed any new agreements, yet the balance has grown.

I have already filed disputes with the credit bureaus requesting deletion, not correction, and I am asking the CFPB to assist in getting this unverified and legally unenforceable account removed from all credit reports.

Company response to consumer: Closed with explanation