vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
Creditor XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Creditor XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

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 2025-04-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is being reported inaccurately and in violation of federal law. The creditor associated with this account issued IRS Form XXXX ( Cancellation of Debt ), indicating that the debt was canceled and no longer legally owed. I have claimed this amount as income on my federal tax return, as required by law.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to report only data that is complete and accurate. Continuing to report a balance owed or any past due status on a debt that has been legally canceled and claimed on a XXXX is both false and misleading.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Over the past XXXX XXXX XXXX  ) years, Equifax, Experian, and TransUnion have continuously and negligently reported inaccurate, outdated, and misleading information on my credit reports, despite multiple disputes. They unlawfully shared my personal information with non-affiliated third parties ( XXXX ) in violation of 15 U.S.C. 6802 and 16 C.F.R. 313.7, and improperly used my data for marketing purposes without appropriate consent. I was offered a Destiny Charge card when my credit file was frozen and the social security number was locked.

Their ongoing violations of federal consumer protection laws including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), XXXX XXXX 12 U.S.C. 5531, 5536, 5565 ), and XXXX XXXX have resulted in an inability to access unsecured credit, financial instability, and severe emotional and psychological distress. 
Notably, these same bureaus have a long documented history of lawsuits and regulatory action for inaccurate reporting and privacy violations, demonstrating a pattern of negligence and willful misconduct. 
I am demanding immediate corrective action, full deletion of inaccurate data, penalties, and monetary compensation for a claim exceeding {>= $1,000,000}. Detailed attachments ( including credit reports and itemized invoice ) are included for review. 

Attachments of previous attempts, credit reports, and a marketing offer from Destiny Charge Card. 

All three ( XXXX XXXX Credit Reporting Agencies Need to be Informed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
" my XXXX XXXX '' EDD 's banking arm is unable to provide transfers of funds to my banking institution. 

I receive various errors including this one. 

" Sorry, but we are unable to process your request at this time. Please review your payment information for accuracy. '' With all information being true and correct this error is erroneous in it's nature due to the facts of the transaction being stacked against it. 

I have tried to ask and resolve the issue with the customer service but their script reads either " we see no problems on our end '' " we don't know why '' or " use the card in an atm or take it to your bank ''. 

My XXXX XXXX is not blaming my bank for this issue and does not advise me to check with them to see if there is an error. 

I personally think this is more of a campaign to get me to use the card physically so " my XXXX XXXX XXXX' can collect fees on the back end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
LVNV Funding LLC submitted a claim on my Credit Report I owe them {$800.00} on an account with an incomplete account number that has been Charged off and Closed. 

I responded to their claim first, on XX/XX/year> and again on XX/XX/year>. 
My letter I asked them to send me a " Debt Validation ''., to this date, I'm yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX * * Equifax XXXX XXXX * * XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Security Freeze, Credit Lock, and Opt-Out Request XXXX XXXX LAST 4 OF XXXX  XXXX XXXX XX/XX/XXXX To Whom It May Concern : I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and to request the following actions be taken regarding my consumer credit file : 1. SECURITY FREEZE REQUEST Pursuant to federal law and applicable state law, I hereby request that you place a security freeze on my consumer credit file. I understand that this freeze will prohibit you from releasing my credit report or any information derived from it to third parties without my express authorization. 

XXXX CREDIT LOCK REQUEST In addition to the security freeze, I request that you implement a credit lock on my file as an additional layer of protection. I understand that these services may differ in terms of convenience and legal protections. 

XXXX. OPT-OUT REQUEST Pursuant to FCRA 604 ( e ), I hereby request to opt out of prescreened offers of credit and insurance permanently. Please remove my name from all lists that you provide to third parties for the purpose of extending firm offers of credit or insurance. 

XXXX. COMMUNICATION PREFERENCES I request that ALL communications regarding my consumer file, including confirmation of these requests, be sent via USPS mail to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please do not contact me via phone or email regarding these matters unless absolutely necessary for verification purposes. 

XXXX. ADDITIONAL INSTRUCTIONS Please confirm in writing that these actions have been completed within 5 business days of receipt of this letter. 
Please include in your confirmation the date when each request went into effect. 
If any of my requests can not be fulfilled, please provide a detailed explanation citing the specific legal basis for denial. 

For verification purposes, I am enclosing the following : Copy of driver 's license or state-issued ID Copy of a recent utility bill or bank statement Copy of Social Security card ( partial, showing last 4 digits only ) I am aware of my rights under the FCRA and will take appropriate legal action if these requests are not handled in accordance with applicable law. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX " `

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: GA

Complaint narrative:
On XX/XX/year>, I requested validation of this alleged debt as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Via XXXX Re : ID XXXX XXXX XXXX XXXX Center To date, I have not received the requested validation. 
Under the FDCPA, they are required to cease collection activities until they provide proper validation of the debt. Continuing collection efforts without providing this validation is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: FL

Complaint narrative:
In early XX/XX/year>, I contacted BMG Money by phone regarding an error in my payroll-deducted loan account. I spoke with a customer service representative to dispute the balance BMG alleged was owed. Despite confirming my account history during the call, I received no written follow-up or correction. 

On XX/XX/year>, after not receiving a resolution through phone communication, I submitted a formal dispute to BMG Money via email regarding the incorrect balance on my payroll-deducted loan account. 

BMG Money claimed that I was {$100.00} past due, despite my own documentation showing only a minor {$1.00} shortage. I requested an immediate correction of the balance, an itemized ledger of all transactions and deductions, confirmation that my account was in good standing, and an explanation of any fees applied. 

Despite my efforts by phone and email, BMG Money has not corrected the balance, has not provided the requested documentation, and has not confirmed my account status in writing. Although the inaccurate balance is not currently showing on my credit reports, I am deeply concerned that BMG Money may report this erroneous delinquency, causing harm to my creditworthiness.

Their failure to respond appropriately raises concerns of violations under the Fair Credit Reporting Act ( FCRA 623 ) and the Consumer Financial Protection Acts Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards.

I respectfully request that BMG Money : Correct the account balance to accurately reflect payments received and remove any improper past-due status ; Provide written confirmation that my account is current and in good standing ; Refund any improper late fees or penalties applied as a result of their miscalculation ; Cease any negative reporting related to this error on my consumer credit reports ; and Undergo a CFPB review of its billing practices to ensure compliance with federal law. 

Prompt corrective action is necessary to prevent further damage to my financial stability and consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
I am writing to file a formal complaint against Receivable Management Partners LLC for repeated and unwarranted attempts to collect a debt that does not belong to me. 

Receivable Management Partners LLC has contacted me multiple times regarding a debt that is not mine. Despite my clear communication that I am not the individual they are seeking, the company has continued to reach out to me via [ phone/email/mail specify how they contacted you if you want ]. This behavior is causing undue stress, is a violation of the Fair Debt Collection Practices Act ( FDCPA ), and constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-04-28 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: MI

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-28 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: MI

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have been asking for documentation for this fraudulent loan for about 2 years now and I still can't get anyone to verify any original documents. Also the number that is provided on the XXXX XXXX app is not the number to XXXX XXXX so it's a big scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am filing this complaint on my own behalf regarding late payments incorrectly reported on my credit record. Despite sending validation request letters over 30 days ago, I have received no response from the creditor, who has failed to provide any evidence supporting these alleged late payments as required by consumer protection laws.

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