vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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:
Dear Consumer Financial Protection Bureau ( CFPB ), Upon inspection of my recent credit report, I noticed several discrepancies that I believe need urgent attention. I previously reported these issues to the credit bureaus a few months ago, and while Equifax has made the necessary updates, XXXX  has yet to correct the information. The following accounts still show incorrect negative payment histories : XXXX XXXX XXXX XXXX XXXX This account is showing XXXX negative payments, which is incorrect. This negative payment history should not be reported, as it does not accurately reflect my financial history. 

XXXX XXXX XXXXXXXX : This account shows XXXX negative payments, which should be updated to reflect XXXX. This is also inaccurate information. 

XXXX XXXX XXXXXXXX : Payments are being reported up until XXXX, even though this account was closed in XXXX. This is incorrect and does not reflect the true status of the account. 

XXXX XXXX : This account should no longer be listed on my credit report due to the company selling off the debt. However, it appears to be double-reported, which is incorrect. 

XXXX XXXX XXXX : This account should not be reporting on my credit report at all. I demand that this account be deleted from my report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate information. The negative remarks associated with these accounts are affecting my personal life and hindering my ability to progress financially. I am requesting that you investigate these discrepancies and ensure that the information on my credit report is corrected. 

If these accounts can not be verified or corrected, I demand that the negative remarks be removed, and the accounts in question be updated or deleted as necessary. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
I recently purchased a car from a dealership and when talking to the finance person he said that since Im an XXXX XXXX XXXX  in XXXX  I would get the 6 % interest rate after the first payment is made and I never got that applied to my lease its still at the 26 % that I got when purchasing the vehicle

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
A company called Portfolio Recovery calls me everyday, XXXX XXXX sharp, to complain that I owe them some kind of debt. Every time I answer, it's always a different agent of this company, so it's also different numbers calling me everyday. I can't block it, like I do with other unnecessary calls. And every time, they claim I owe them a debt I don't have. Once, they complained that I owed them a debt on a XXXX XXXX credit card, but I've never owned a XXXX XXXX credit card. Another time, they complained that I owed a utility bill for a utility company in Arizona. But I've never lived in Arizona. I checked my credit report to make sure that someone wasn't taking out debt in my name, but there was no inconsistencies or suspicious debts or accounts on my report. Every time they call, they ask, " Is this [ my full government name ]? '' Problem is, I don't know if they are confusing me for someone else since my name is very common. Either way, I try explaining that they are probably contacting the wrong person and they have the AUDACITY to argue back until they finally give up and hang up the phone. It's just very frustrating that I get called everyday and asked to pay debts that I have never owed in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recuvery LLC
State: PA

Complaint narrative:
Account XXXX  XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), you are hereby notified to stop all communication with me, my family, or my place of employment. Additionally, I request that your agency immediately delete this account from your records and any credit reporting agencies with which it has been shared. If you are unable to validate the debt or prove your right to collect on it, you are required to remove it from all consumer credit reports under the Fair Credit Reporting Act ( FCRA ). Please note that continued collection efforts or failure to comply with this notice will be documented and may result in legal action for violation of federal law. This letter is not an acknowledgment of any debt, nor a promise to pay. I expect written confirmation that all communication has ceased and that the account has been removed from your records. 
Requesting Forward Flow Agreement Chain Of Assignment Purchase Agreement Insurance Claim Of Debt Your Wet Signature Agreeing To Pay According to 15 usc 1692 ( G )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
IM JUST A VICTIM OF FRAUD. I NEVER KNEW THAT I HAD ANY RIGHTS UNTIL I WAS WATCHING XXXX AND I LEARN A LOT. THEN I WENT TO THE PROPER WEBSITES, SO IM TRYING TO CLEAR MY NAME UP FROM THIS FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX : balance reported : {$2200.00} Failed to validate this account belongs to me and refused to send me the original contract. I closed this account in XXXX with {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
XXXX XXXX : balance reported : {$2200.00} Failed to validate this account belongs to me and refused to send me the original contract. I closed this account in XXXX with {$0.00} balance.

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 2025-05-24 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: LA

Complaint narrative:
I am a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( s ) from my credit report within the MANDATED 4-day timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611. 

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted disputes with Equifax about my identity being stolen and accounts opened in my name. I submitted my FTC Identity Theft Report as well and nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERS : XXXX, XXXX, XXXX and XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
I requested that Jefferson capital systems llc, send me validation of an alleged debt that has ruined my credit score I've tried multiple times at having this inaccurate account from my credit report.This request is made under the Fair Credit Reporting Act FCRA 15 U.S. Code 1681i, which provides me the right to dispute inaccurate, unverifiable, or outdated information on my credit report.According to FCRA 1681i, the credit bureau is required to investigate and verify the accuracy of the disputed information within 15 days. If the data furnisher can not provide sufficient verification, the account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NM

Complaint narrative:
Hi, Im reaching out to correct the inaccurate personal information listed on my credit report. These errors are interfering with my credit applications and have caused a lot of unnecessary frustration.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: VA

Complaint narrative:
I was a a XXXX XXXX and the salesperson XXXX XXXX, was attempting to get me financing for a vehicle causing several hard inquiries on my credit. He stated that when they pulled my credit report it stated that I still owed XXXX XXXX {$15000.00} from a previous car loan I had. This caused the lenders to deny me financing. The companies that inquired were : XXXX XXXX, Global Lending Services, XXXX XXXX XXXX and XXXX XXXX XXXX. I did not authorize any of these companies access to my credit report, only XXXX. XXXX XXXX assured me that they dont shotgun your credit by running it multiple times with banks and lenders but thats exactly what happened. XXXX XXXX XXXX  my credit reports show that my account with XXXX XXXX is closed with a balance of {$0.00} so it puzzles me that they see a balance of {$15000.00}. XXXX XXXX must be reporting fraudulent information. I also never received information on who all denied my credit and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I was a a XXXX XXXX and the salesperson XXXX XXXX, was attempting to get me financing for a vehicle causing several hard inquiries on my credit. He stated that when they pulled my credit report it stated that I still owed Santander Consumer {$15000.00} from a previous car loan I had. This caused the lenders to deny me financing. The companies that inquired were : Santander Consumer, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I did not authorize any of these companies access to my credit report, only XXXX. XXXX XXXX assured me that they dont shotgun your credit by running it multiple times with banks and lenders but thats exactly what happened. XXXX XXXX XXXX  my credit reports show that my account with Santander Consumer is closed with a balance of {$0.00} so it puzzles me that they see a balance of {$15000.00}. Santander Consumer must be reporting fraudulent information. I also never received information on who all denied my credit and why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MN

Complaint narrative:
b'**Complaint Details**  \n1. **Issue**: Debt collection  \n2. **Sub-Issue**: Attempts to collect disputed debt / Failure to validate  \n**Description**  \n> *"On XXXX, I sent Discover a written debt validation request via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX Despite FDCPA  809 requiring validation within 30 days, Discover failed to provide:  \n - Proof of the original signed agreement.    \n - Legal authority to collect.  \n   \n Instead, Discover only provided transaction statements, which courts have ruled is insufficient XXXX XXXX XXXX They also continued collection efforts, violating FDCPA  807(8).  \n\n **Demands**:  \n 1. Delete the debt (Discover account #2406) from all credit bureaus.  \n 2. Cease all collection activities.  \n 3. Pay XXXX  in statutory damages for FDCPA violations.  \n\n**Attachments**: Copies of my validation request, Discovers incomplete response, and Certified Mail receipts."*'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-24 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: LA

Complaint narrative:
DETAILS OF VIOLATION : I have previously submitted notice that the XXXX XXXX XXXX entry is the result of fraud or unauthorized activity and demanded an investigation. Despite legal obligation under FCRA 611 and 1681c-2, this account remains on file without proper verification, sworn affidavit, or chain of title to the alleged debt. This is a direct violation of federal law and constitutes : Willful negligence Deceptive reporting Participation in continued harm through inaccurate credit data Furthermore, XXXX XXXX XXXX is not the original creditor, and as such is required to validate the chain of assignment and legal ownership under 15 USC 1692g ( b ). To date, no such validation has been received.

YOU ARE HEREBY DEMANDED TO : Immediately BLOCK and DELETE this account from all three credit reports ( Experian, TransUnion, Equifax ) within XXXX business days. 

Cease and desist from further reporting, reinserting, or updating this account. 

Provide written confirmation of removal. 

Failure to comply will result in : Immediate filing of a lawsuit in XXXX XXXX XXXX for : Willful noncompliance under 15 USC 1681n Negligent noncompliance under 15 USC 1681o Violations of 15 USC 1692e, f, and g Actual, statutory, and punitive damages, including legal fees Filing complaints with : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office Federal Trade Commission ( FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
when i try to dispute transactions they dont be helping out or cant contact support when i be needing the help right then and there no live agent nothing

Company response to consumer: Closed with explanation