vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In accordance to the fair credit reporting act this creditor violated my rights XXXX5 usc 1666b states a creditor may not treat a payment on a credit card account under end consumer credit plan as late for ANY purpose unless the information in section 1637b was mailed to the consumer no later than 21 days which they did not do and can not send me proof of 15 usc 1681 section 602 states I have the right to privacy and in 1681 604 a section 2 it states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. In accordance with the Fair Credit Reporting act. The List of accounts include the following XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts listed in images has violated my rights. 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 an 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. HIPPA has a private rule that mandates that your personal medical information may not be shared unless there is permissible reason for doing so. In order for a collection agency to verify your debt they will need to access your medical information. If they have access to this information, your rights under the HIPPA law have been violated. XXXX XXXX  with the amount of XXXX has violated my HIPPA RIGHTS I would like to remind any credit bureau and collection agency that if they fully validate the validation letter on medical bills that they are violating HIPPA regulations and are doing CRIMINAL ACTIVITY. HIPPA doesn't allow the release of medical information to any third party. PLEASE BLOCK AND REMOVE THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have repeatedly told TransUnion, XXXX, and Experian that there were fraudulent accounts on my credit report they have failed to remove, TransUnion will not remove the more than 100 inquiries off my report and I have repeatedly told XXXX  that they have the wrong birthday on my report which makes it hard for me to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Summary of Complaint : I am filing this complaint against GM Financial for the continued reporting of false, misleading, and mathematically impossible late payment information on my XXXX credit report. The account in question is an open auto loan that shows multiple late payments across non-consecutive and consecutive months, with no verification provided upon prior disputes. 

Below is the full list of reported late payments, which I dispute in their entirety : XXXX  XXXX  XXXX  days late XXXX XXXX XXXX  days late XXXX XXXX XXXX  days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XXXX XXXX XXXX  days late Inaccurate and Illogical Reporting : The late payments reported for XXXX through XX/XX/XXXX are not only inaccurate but mathematically and legally impossible. An account can not be recorded as XXXX  days late in XXXX consecutive months. If an account is not brought current after being XXXX  days late in XXXX, then : XXXX should reflect XXXX  days late XXXX should reflect XXXX  days late XXXX should reflect XXXX  days late Repeatedly labeling each month as " XXXX  days late '' is false, misleading, and factually invalid. 

This is a material inaccuracy that violates : 15 U.S.C. 1681e ( b ) Duty to report with maximum possible accuracy 15 U.S.C. 1681i ( a ) Obligation to correct or delete any unverifiable or inaccurate information upon dispute FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even technically correct information can be misleading and actionable XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Misleading entries that harm a consumers credit standing violate the FCRA Furthermore, I never received documentation from GM Financial to validate : That I was ever 30+ days delinquent in any of the above months That any payments were missed That any notice of delinquency was issued to me Violations Cited : FCRA 1681e ( b ) : Inaccurate and misleading data must not be furnished FCRA 1681i : Failure to investigate and correct disputed information FCRA 1681s-2 ( b ) : Failure to conduct reasonable investigation as a furnisher CFPB Reporting Guidelines ( XXXX ) : Data that lacks contextual accuracy is inherently misleading New Jersey Consumer Fraud Act ( XXXX XXXX ) : Reporting false credit information is a deceptive business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am formally disputing the inaccurate and outdated personal information listed on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), you are required to ensure all information on my report is 100 % accurate and verifiable. The following incorrect information must be permanently removed within 15 days : XXXX. Removal of All Inaccurate & Outdated Addresses - My ONLY correct and verifiable address is : XXXX XXXX XXXX, XXXX, FL XXXX- All other addresses on file are outdated, incorrect, and undeliverable and must be deleted immediately per 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits reporting obsolete personal information. 
- Failing to remove inaccurate addresses creates security risks, increases the risk of identity theft, and violates my rights under the FCRA. 

XXXX. Removal of Incorrect Names XXXX XXXX correct name is : XXXX XXXX XXXX XXXX Any misspellings, aliases, or incorrect variations of my name must be deleted under 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy.

3. Removal of Incorrect Employer Information XXXX XXXX XXXX current employer is XXXX XXXX XXXX XXXX XXXX XXXX Any previous, inaccurate, or unverified employer listings must be removed immediately per 15 U.S.C. 1681b ( a ) ( 3 ), as they serve no legal purpose on my credit file and should not be included. 

XXXX. Removal of Inaccurate Phone Numbers - My ONLY phone number is : ( XXXX ) XXXX - Any additional or outdated phone numbers must be deleted as they are incorrect and unverifiable. 

DEMAND FOR IMMEDIATE ACTION Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( FCRA ), I demand the following within 15 days : XXXX. The immediate deletion of all inaccurate addresses, names, phone numbers, and employment records from my credit report. 
XXXX.Written confirmation of these deletions within 15 days. 
XXXX. A cease-and-desist order preventing any further reporting of incorrect personal information. 

Failure to comply will result in formal complaints filed with the CFPB, FTC, and legal action under 15 U.S.C. 1681n ( FCRA ), allowing me to seek statutory damages, punitive damages, and attorney fees.

If Experian, Equifax, or TransUnion fail to correct these violations within 15 days, it will be considered willful noncompliance with federal law. 

Sincerely, 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute of Unauthorized Collection Account Dear Equifax Information Services LLC, Im writing to follow up on my previous letter sent on XX/XX/XXXX, regarding a collection account on my credit report that I believe is inaccurate. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I am requesting that this account be properly investigated and removed. 
Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XX/XX/XXXX So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts.

For your reference, Ive attached copies of my previous correspondence along with supporting documentation, including a copy of my identification for verification purposes. 
I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc.
State: TX

Complaint narrative:
For XX/XX/year> payment, a payment arrangement was made by my son, for whom I am the cosigner on the loan and the creditor did an ACH on my checking account on XX/XX/year> WITHOUT my consent. XXXX XXXX  already had his debit card information on file for XXXX  withdrawal. I contacted the creditor about the ACH and was told that even though my son had a payment arrangement, the money would be debited from my account and would be XXXX from my son 's account as well. I contacted my financial institution and had them blocked from future XXXX payments. The payment for XX/XX/year> was given until XX/XX/year> to pay, but was paid on XX/XX/year> and the creditor tried to debit 2 payments at one time. On XXXX XXXX a letter was emailed saying that the account was 32 days past due, but was paid on XX/XX/year> and was sent to litigation for the entire balance to be paid in full and that court action is being pursued and a lien will be placed on ALL property and wages will be garnished. The customer service associates are harassing, use threatening language and profanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate student loan information that has appeared on my credit report. Upon reviewing my report from XXXX XXXX, I noticed that my student loan was previously removed but has now been re-reported with incorrect details. 
The student loan is now reported as 8 different loan accounts which is incorrect and is affecting my credit history drastically.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
I was scammed by a lady out of {$150.00} on cash app and when I requested my money back she denied my request. I call cash app and they told me they have no authorization and that I have to call my bank to file a dispute. I call XXXX XXXX  which is my bank and they said cash app is actually responsible since the payment was done through there and when I called them back they said I will have to request my money back again even though I already did that. And they will be able to start a dispute for me. They never started a dispute nor have they gotten back to me. Basically its my fault for getting scammed and to be smarter next time. How does a business expect to have customers when they cant even help them from scammers?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Back XX/XX/XXXX. I purchased a mattress with mattress firm and financed it with Synchrony bank. The deal was 24 months of deferred interest. I set up the payment with the store manager to ensure that the payments would pay off the balance within the 24 month time frame to avoid the big hit of interest. About 4-6 months in I noticed my payment was changed to the minimum payment so I chatted with a synchrony rep through the website and made myself very clear in saying that I NEED my payment amount switched to make sure it is paid off before XXXX of XXXX. He confirmed that was what he did and I asked Are you sure, so I am good to go? He said yes and that was it. I then saw about 2 weeks before the 24 months was up my payment changed AGAIN to a lower amount now leaving me with a balance at the end of the term which then triggered the HUGE interest fee to hit all at once. They have the chats and refuse to release them to me. Please help me with this. Its now like paying for 2 mattresses

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 monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
im filing a complaint against equitable for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate without providing me any evidence of a thorough investigation. This practice violates the Fair credit reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore XXXX actions may contravene the consumer financial protection act ( cfpa ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as high XXXX XXXX  in cfpbs rescent administrative proceedings ( XXXX XXXX. XXXX-Cfpb taking action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated.

The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : XXXX. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
XXXX. A written confirmation verifying that these late payments have been removed. 
XXXX. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience

Company response to consumer: Closed with non-monetary relief