vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: SC

Complaint narrative:
MONEYLION is falsely reporting on my credit. I have never had any accounts with them. Per my research MONEYLION is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just checked my credit report again and those inaccurate accounts are still there, even though they should no longer be showing. I am begging you to carefully go through the documents I provided so I can finally stop stressing over something that has been haunting me for too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am urgently reaching out to Equifax because my credit report shows accounts I do not recognize, and I am extremely worried. I need your help to block these fraudulent accounts as soon as possible. 

I have tried contacting Equifax, but it has been very difficult. I keep getting the automated system, it asks many questions, and I struggle to use those devices. I feel overwhelmed and unable to get the assistance I need. 
XXXX XXXX - XXXX BANK # XXXX opened XXXX XXXX, 2021 XXXX BANK XXXX # XXXX XXXX XXXX XXXX, 2019 XXXX  XXXX # XXXX card-Date opened XXXX XXXX, 2018 XXXX # XXXX account-Date opened XX/XX/XXXX 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX is illegally reporting and attempting to collect a debt in Michigan even though they are not licensed or registered to collect debt in the state. Michigan law requires a debt collector to be licensed under the Michigan Occupational Code. This company does not have the required license.

They also failed to provide any proper validation of the debt. They did not provide a signed contract, proof of ownership, chain of assignment, or an itemized account history. They even sent two different billing statements with different balances, which shows the information is inaccurate and unreliable.

Despite being unlicensed and unable to validate the debt, they continue to furnish and verify the account with XXXX. This has caused inaccurate reporting, improper verification, and financial harm.

I am requesting the CFPB to investigate this company for unlicensed collection activity, require XXXX  to delete this account, and require XXXX XXXX XXXX to stop all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Experian. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes, the credit bureau ( XXXX ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting an investigation into the items below due to reporting inconsistencies, missing required data, and potential unverifiable information. Any account that can not be confirmed through proper documentation should be removed. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this late payment as it is inconsistent across agencies.

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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to purchase XXXX XXXX XXXX on XXXX, XXXX XXXX CA on XX/XX/XXXX located at XXXXXXXX XXXX XXXX XXXXXXXX Ca XXXX. They were having 1.99 % APR promotion on financing. I made purchase and Chase Auto financed my loan for XXXX mos. However, the calculation they have charged does NOT match with 1.99 % APR. They charged me more than offered APR and I want to report bait-and-switch tactics on these companies. 
On XXXX : Downpayment : {$4200.00} ( personal ) Federal XXXX  credit {$7500.00} ; {$11000.00} in total Order fee : {$250.00} On Chase auto : financed XXXX XXXX Monthly payments charge : {$600.00} Made payments : {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am disputing the following accounts and late payments because the information appears inaccurate or unverifiable. Please conduct a full investigation. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist 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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: VA

Complaint narrative:
On XXXX they attempted to repo my vehicle. I never received any type of notice with this repo. I protested the repo when the repo company arrived on XXXX after XXXX EST when the bank was already closed. After XX/XX/XXXX the repo company left. I contacted Westlake Financial the afternoon of XXXX and spoke with a supervisor. After XXXX XX/XX/XXXX on the phone, the supervisor told me she would schedule a payment arrangement with me and cancel the repo. I gave my debit card info for the payment as that is the only way she was going to cancel the repo. The payment was set for XXXX. I was told to call back after XXXX to schedule the last {$280.00} I would owe but was also not part of the past due payment ( was already paying more than what was past due ) and that she is willing to help me. She said it would take a couple of days to cancel the repo. On XXXX (XX/XX/XXXX days later ) they repo'ed my car. They are deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
Friday, XX/XX/XXXX I signed a contract with Village Capital & Investment LLC to refinance my home loan via VA XXXX. On account of the fact that the principal amount discussed with the loan officer was approximately {$2000.00} more than what we discussed verbally, I decided to cancel the loan after signing. I sent a letter via XXXX on Tuesday, XX/XX/XXXX XXXX the contract I signed as well as XXXX the 12 CFR 1026.23 : Right of Rescission. I allowed 7 days before emailing the lender to confirm receipt of my notice and received no answer. I waited another 10 or so days before calling, which I have a recorded transcription of, and eventually spoke to someone who said they would look into it. I have since not received any communication from Village Capital & Investment LLC, other than payment notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Online Information ser XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX requested that the power was discontent on XX/XX/year> being that I know longer was at that location. I moved to XXXX  XXXX on XX/XX/year> and I was still being billed as if I was at the location. When I left I had no balance. An organization paid my bill off that winter for a hardship program. This company also, kept my deposit. They are reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: NC

Complaint narrative:
On XXXX XXXX, 2025, I purchased a XXXX XXXX XXXX XXXX from Carvana, financed through XXXX. 

Shortly after, Carvana discovered they had charged and financed the wrong North Carolina sales tax amount ( {$900.00} instead of the correct {$660.00} ). Carvana informed me they had to rebuild the entire loan to correct this error. I was explicitly told ( in writing and on recorded calls ) to pause all payments because any payment would restart the rebuild process and further delay registration. 

As a result : -Every payment I have sent from XXXX through XXXX 2025 has been held and not applied to my loan by Bridgecrest/Carvana XXXX 
-My temporary tag expired XXXX XXXX, 2025, leaving me unable to legally drive the vehicle for several days. 
XXXX XXXX notices via text and email thanking me for making every payment. Then on XXXX XXXX, 2025 they started sending multiple notices stating my loan was 30+ days past due and threatened collection action, despite Carvana admitting the issue was entirely their error. 
-North Carolina XXXX sent me a notice XXXX XXXX, 2025 notifying my insurance was canceled on my trade-in and my current registration was going to be canceled, this is still an outstanding issue. 
-A permanent registration was finally mailed and received XX/XX/XXXX, 2025over two months after purchase. 

XXXX repeatedly promised ( including by XXXX Resolution team member XXXX on XX/XX/XXXX and again on XX/XX/XXXX ) to deliver by close of business Friday, XX/XX/XXXX2025 : 1-The rebuilt contract with corrected terms XXXX confirmation no negative credit reporting occurred or will occur 3-Goodwill compensation for the hardship As of Monday, XXXX XXXX, 2025, I have received none of these items despite multiple follow-ups and a final written deadline. I remain in limbo with no updated contract, no protection against inaccurate credit reporting, and no resolution for the significant stress and risk caused by Carvana/XXXX  errors. 

I am requesting the CFPBs assistance to compel Bridgecrest/Carvana to : Immediately provide the corrected rebuilt contract Confirm in writing that my account is current and that no late payments or derogatory information have been or will be reported to any credit bureau Provide appropriate compensation for the hardship caused Supporting documents are available : purchase contract, bank statements showing payments, Carvana emails admitting the error and instructing me to pause payments, call transcript summary, XXXX written promises and missed deadline. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am requesting a full investigation of the items below, as I believe they may be inaccurate or not properly authorized.

Inquiries in Dispute XXXX  Date : 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