vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: SIMM Associates, Inc.
State: CA

Complaint narrative:
I am disputing a loan account that was opened in my name without my knowledge or consent. Ascent has claimed that XXXX initiated this loan, but I never authorized it, nor did I sign any agreement allowing this debt to be created. I have repeatedly requested documentation proving my obligation to this loan, including by sending XXXX separate written requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It has now been over XXXX weeks since my first request, and Ascent has failed to provide any proof of this debt. Instead, they have insisted that I must create an online account to view documents, which is not a proper response under the law. 

Despite the fact that this debt remains in dispute and unverified, XXXX has continued to treat it as valid. Most recently, they appear to have assigned or sold the account to a third-party debt collector, Simms Associates . Since that transfer, I have been receiving constant and harassing phone calls from Simms Associates, including threatening messages attempting to intimidate me into paying a debt that has never been validated. Their conduct is causing significant stress and is a clear violation of my rights, given that I have formally disputed the debt and have not been provided with the legally required documentation. 

I believe both XXXX and Simms Associates are acting improperly. Ascent is attempting to collect on or assign an unverified debt, and Simms Associates is using harassment and threats in an attempt to coerce payment on a debt that remains in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Seized auto account which Im still paying for. My car payment is current. I can not navigate my account online, and when I called creditor for my car payments, they do not recognize my account number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am the victim of identity theft and filed a police report ( XXXX  ) and an FTC Identity Theft Report. I submitted these documents, along with my government-issued ID, to Experian, XXXX, and XXXX. Despite this, Experian continues to report a fraudulent XXXX XXXX XXXX collection account ( ending XXXX ) with a balance of {$950.00}. I have attached mt credit report showing only Experian is reporting this unauthorized account. 

This account does not belong to me. It is tied to XXXX XXXX XXXX, a medical provider I never authorized or received services from. The account is closed but continues to report as derogatory. 

FCRA & Compliance Violations FCRA 605B ( 15 U.S.C. 1681c-2 ) : Experian failed to block this fraudulent account within 4 business days after receiving valid identity theft documentation.

FCRA 1681e ( b ) : Experian continues to report unverifiable, inaccurate data, failing to ensure maximum possible accuracy.

FCRA 1681i : Experian conducted a sham reinvestigation and continues to verify the account without producing any documentation.

FCRA 1681i ( a ) ( 7 ) : Experian has not provided the required method of verification, including who was contacted and what documents were reviewed.

Metro 2 Violations : The tradeline is incomplete and misleading, missing required fields such as Date of First Delinquency, Payment Rating, and Compliance Condition Codes. 

HIPAA Concerns : Since this involves a medical debt, XXXX XXXX XXXX XXXX not have the legal right to access, share, or report this information without a proper HIPAA authorization from me, which I never provided.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have signed up for a third party XXXX in XX/XX/year>. We agreed to drop the interest rate and stop late fees as well as a lower monthly minimum payment. They have signed and agreed to the terms 3 separate times and I do have copies of all this. They have yet to drop interest or payments as well as continuing to report late to the credit bureau. I have had back to back phone calls with every department at Barclays as well as my XXXX team. We opened a ticket that was suppose to be resolved within 2 weeks almost 4 months ago and they continue to say the same thing and not provide ANY information or an update or follow up with their end of the terms they have signed and greed to. My credit has tanked and I have so much added interest and late fees which were suppose to have been stopped. Even if they correct the credit reporting they have hundreds of dollars of interest and late fees that need to be removed as well.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According To 15 USC 1692C You Have Violated My Rights Unlawful Communications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX BANK # XXXX XX/XX/year> -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$18000.00} XXXX  # XXXX XX/XX/year> -- {$530.00}

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I was XXXX put in a contract thinking that I would own this automobile, a XXXX  XXXX, XXXX, that I would have possession of from XXXXXXXX XXXX XXXXXXXX when this company, Credit Acceptance Corporation , made a blank indorsment for them to have ownership of the automobile using my social security account for credits and extorting me for XXXX XXXX XXXX which is trust property. Now have ( repossessed ), stolen trust property to sale for profit to someone else and in return has collected from my trust credits and force payment of XXXX XXXX. ( which is unlawful ) Allowing this company to be paid over three times for this property..

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 2025-08-28 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I continue to be billed by MOHELA for payment of my student loan. The loan should be in deferment because I am still XXXX XXXXXXXX. I have sent them an updated XXXX XXXX XXXX request form signed by school officials. However, this only resolves the problem temporarily. They will correct the deferment date and then change it back to the incorrect date which restarts the invoices being sent. 

When this problem first started, I was able to speak with someone, but now when I call, there is no way to reach a live person. I only get automated prompts which can not solve my issue. Now, I am receiving past due notices and no way to communicate with anyone.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 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 {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
This issue happened with my XXXX 's Mortgage payment. I utilized XXXX XXXX  to make payment to XXXX XXXX, a mortgage servicer with Cardinal Financial. This payment was made during the grace period Cardinal Financial had previously waived similar payments made when postmarked during grace period. XXXX XXXX, still doing business as Cardinal Financial refused to provide why it is departing from the policy I enjoyed without asking in the past until last XXXX. 

This issue was presented to your office last year, but XXXX XXXX stated that it was waiving the said late fee. I stated then, I still state it now that XXXX XXXX is clearly trying to force its clients to utilize only its platform to make payment which is unlawful to say the least. 

XXXX XXXX  stated if XXXX XXXX doing business as cardinal Financial received the XXXX 's mortgage outside the grace period, it must be due to the flood that delayed all mails in the U.S. However XXXX XXXX still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

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, CHALLENGEDORNOT.

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 2025-08-28 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: MD

Complaint narrative:
According to 15 U.S.C. 1681, I have the right to dispute inaccurate and unverifiable information being reported on my credit file. I submitted disputes to the credit bureaus regarding the following : XXXX XXXX XXXX XXXXXXXX Charge-off ( {$4600.00} ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Paid but reported as a Charge-off XXXX XXXX XXXX XXXX XXXX XXXX Late payments from XXXX XXXX Hard Inquiries XXXX XXXX ( XX/XX/2024 ), XXXXXXXX XXXX  ( XX/XX/2024 ), XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX responded that these items were verified, but under 15 U.S.C. 1681i ( reinvestigation of disputed information ), a consumer reporting agency must conduct a reasonable investigation and provide documentation of verification. That has not been done. 

No original contracts, signed applications, or supporting documentation were provided to confirm the accuracy of these accounts or inquiries. Reporting unverifiable information violates the FCRA and denies me my rights under federal law. 

Under 15 U.S.C. 1681b, no one may access a consumer report without a permissible purpose or express consent. The inquiries from XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX were not authorized by me.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i had my capitol one card on a auto payment and it was still going over my limit charging me extra interest how can that be. when it was automatic coming out of my saving account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. According to my most recent credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I am requesting that you investigate this matter, contact the furnisher of this information, and correct the late payment entry from my credit file immediately. 
Please provide me with written confirmation of your investigation results and the actions taken. If the creditor can not substantiate the reported late payment with verifiable evidence.

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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # : 2274 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( XXXX ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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