vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
1681 ( e ) ( b ) states " Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ". Everything on my credit report should have the most maximum possible accuracy. XXXX XXXX XXXX has been reporting account ending in XXXX as CO, which stands for Charge Off. Twice, stating this account has been charged off XX/XX/year> & XX/XX/year>.

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 2025-03-25 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  OPEN XXXX BALANCED {$370.00} late payment of 30 days in XX/XX/year> and 60 days in XX/XX/year> ( delete late payment ) XXXX XXXX XXXXXXXX XXXX BALANCED {$950.00} late payment of 30 days in XX/XX/year> anXXXX XXXX XXXX XXXX OPEN XXXX BALANCED {$820.00} late payment of 30 days in XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  OPEN XXXX BALANCED {$370.00} late payment of 30 days in XX/XX/year> and 60 days in XX/XX/year> ( delete late payment ) XXXX XXXX XXXXXXXX XXXX BALANCED {$950.00} late payment of 30 days in XX/XX/year> anXXXX XXXX XXXX XXXX OPEN XXXX BALANCED {$820.00} late payment of 30 days in XX/XX/year>

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 2025-03-25 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: Experian Information Solutions Inc.
State: PA

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 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 2025-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
My car was repossessed back in 2019 ( I was in a very bad place mentally and physically, so I am now handling my past affairs ). Once the car was repossessed, I reach out to Santander Consumer ( my lease provider ) and they told me where the car was held for my items. I went the very next day to retrieve my items, but the car was no longer on the lot. They handed me a bag of items, but my roof rack ( it was removable ) and a few documents were missing. I explained it to the man at the lot but he told me to reach out to Santander. I called Santander and they did not do anything to help me, nor did I hear back from them about the car being sold, etc.. The balance to the car on my account has not been reduced after the sale. I searched my VIN number for more information, but it came up and invalid or " no VIN found ''. This is very worrisome as I want to see what they did to the car, why the VIN can not be found, and why they never contacted me after the fact. I believe they broke the law by not informing me about anything, and they never returned or bothered to get back to me about the rest of the items in my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Credit Collection Service for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am filing this complaint against RentDebt Automated Collections regarding an alleged debt of {$350.00} that appears on my credit report. I dispute this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611. 

I have no contractual relationship with RentDebt Automated Collections. When I requested validation of this debt, including a copy of the original contract or agreement obligating me to this alleged debt, RentDebt Automated Collections failed to provide adequate documentation as required by law. 

This collection account contains inaccurate balance information and requires immediate verification. If RentDebt Automated Collections can not provide proof of my obligation, this item must be removed from my credit reports immediately as required by FCRA 611 ( a ) ( 5 ). 

My legal name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, TX XXXX. 

I expect RentDebt Automated Collections to : 1. Cease all collection efforts on this unverified debt 2. Remove this collection account from all credit reporting agencies 3. Provide written confirmation of these actions Failure to comply with this request will result in further legal action through appropriate regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received emails in the past couple of weeks, in XX/XX/year>, about 3 unauthorized hard inquiries made within this month, XX/XX/year>, added to my credit report recently as well as emails from a place called " XXXX XXXX '' about refinancing my car loan. I did NOT authorize any hard inquiries in 2025, and I was never interested in refinancing my car loan. I tried to contact " auto approve '' to tell them that whatever information they received, I would like deleted and withdrawn. They deflected and said I would need to speak to someone else later. I am looking to get these 3 recent hard inquiries removed from my credit report asap because they are unauthorized inquiries. I did not authorize any of those 3 companies to run my credit. I did not authorize any company to run my credit in 2025.

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CEX.IO CORP.
State: NY

Complaint narrative:
XXXX XXXX said they would invest in BITCOIN. I sent {$450000.00} US dollars to them. They sent me an email stating I have {$1.00} XXXX. I tried NINE times to withdraw my money, each time saying to pay another fee. My local District Attorney sent them a subpoena which they received because they confirmed that. They failed to respond. The person I was dealing with is XXXX XXXX from " XXXX XXXX ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00}

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 2025-03-25 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

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 2025-03-25 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IN

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Credit Bureau Name [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Credit Report Information Dear [ Credit Bureau Name ], I am writing to formally dispute an inaccurate item on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that my Discover Bank account ( Account Number : XXXX ) is reported with incorrect information that needs to be investigated and corrected. 

Inaccuracy Identified : The account is listed as charged off with a balance of {$300.00} written off. However, a charged-off account should have a balance of {$0.00} if it was truly written off. Reporting a balance after a charge-off is inconsistent with standard credit reporting practices. 

Additionally, the Status Updated date is reported as XX/XX/XXXX, yet the balance was updated on XX/XX/XXXX. This discrepancy raises concerns about the accuracy of the reporting timeline. 

Requested Action : I request that you investigate this discrepancy with Discover Bank and update my credit report accordingly by either : 1. Correcting the balance to reflect {$0.00} if the charge-off is accurate, or 2. Providing documented proof from Discover Bank verifying the legitimacy of the reported balance.

Please complete this investigation within the legally required 30-day timeframe and provide me with the results in writing. If the information can not be verified, I request that it be removed from my credit report.

I have attached a copy of my credit report highlighting the disputed entry, along with a copy of my identification for verification purposes.

Thank you for your prompt attention to this matter. Please contact me at your earliest convenience if additional information is required. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Concerning Mortgage Loan with Cardinal Financial Dear XXXX XXXX XXXX am writing to formally lodge a complaint regarding my mortgage loan with Cardinal Financial , originally taken out in XX/XX/year>. My original account number is XXXX, which was subsequently closed, and the account was transferred to a new account number, XXXX. 

Currently, my credit report reflects that the original loan is marked as " paid in full. '' However, the new lender, Cardinal Financial Servicing, is not reporting any relevant information to the three major credit bureaus. Consequently, my credit report lacks any details about the new loan, which may adversely affect my creditworthiness.

I am requesting all documents and information pertaining to both the paid-off loan and the new loan. Specifically, I seek the original closing documents for the first loan, as well as all closing documents related to the new account. As a creditor under UCC1, I am concerned that the necessary reporting has not been executed and that my loan may have already been settled without proper notification.

Ensure all payments are applied to account. This company needs to be investigated how they are and have handled my mortgage Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX I I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: MI

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 XXXXB of the Fair Credit Reporting Act.

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AR

Complaint narrative:
I'm trying to log into Cash App 1 day and it said my account was closed. I talked to support. They couldn't give me a reason why and told me that I couldn't open another account

Company response to consumer: Closed with explanation