vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: AZ

Complaint narrative:
I do not recognize personal loans or credit cards on report. Don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The car loan has been charged off by Chrysler Capital. I requested XXXX and still have not received it. Chrysler Capital has XXXX XXXX trying to collect money from me. This is illegal and fraudulent. I also requested made a debt validation claim and requested specific information. They responded to me but did not provide the specific information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC

Complaint narrative:
XXXX XXXX To whom it may concern, This item was purchased by a Third-Party debt collector, JEFFERSON CAPITAL SYSTEMS XXXX 
This account must be deleted as the status is not correct, the amount is not correct and account was paid less than owed by Third Party JEFFERSON CAPITAL SYSTEMS, Debt Collector.

As you can see by my attached credit reports and highlighted issues. THIS INFORMATION IS NOT CORRECT AND NOT ACCURATE. There for it must be DELETED IMMEDIATELY. 

Here is the account name and number for reference and incorrect amount as well. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX Consumer ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, State, Zip XXXX : XXXX XXXX, TX XXXX XXXX XXXX Whom This XXXX Concern, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my ChexSystems consumer report immediately. Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) XX/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 2025-03-30 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX ( Hotel and travel ) XX/XX/year> 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 explanation
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please XXXX and remove it. 
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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XXXX XX/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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Every morning of Saturday and Sunday i have received a message from Sunrise, a dept collector said " A message from Sunrise, a debt collector. Self service online at https : XXXX Phone XXXX. Reply HELP for info or STOP to end '' There was the link in the message but I never clicked because this may be a scam. I never owed money from any financial institution or utility bills. 
I've tried texting STOP once but didn't go through then I choose not to respond.

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 2025-03-30 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: GA

Complaint narrative:
As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

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 2025-03-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NCB Management Services Inc.
State: FL

Complaint narrative:
The car loan has been charged off by XXXX XXXX. I requested XXXX and still have not received it. XXXX XXXX has NCB management trying to collect money from me. This is illegal and fraudulent. I also requested made a debt validation claim and requested specific information. They responded to me but did not provide the specific information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Sentry Credit, Inc.
State: FL

Complaint narrative:
The car loan has been charged off by XXXX XXXX. I requested XXXX and still have not received it. XXXX XXXX has XXXX XXXX trying to collect money from me. This is illegal and fraudulent. I also requested made a debt validation claim and requested specific information. They responded to me but did not provide the specific information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cash app charged my personal bank account as if I owed them money for something. When attempting to settle dispute it was made clear theyre wasnt a customer service center at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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 recently reviewed a copy of my credit report and noticed. I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-03-30 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 recently reviewed a copy of my credit report and noticed. I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX 2024 XXXX reported a 30 day late payment without my written consent. 

XXXX violated my rights. 

XXXX has been notified three times to date and they are now choosing to ignore me and the violations they committed.

In accordance with the Fair Credit Reporting Act, XXXX, as a creditor, has violated my rights under USC 1681 Section 602 it states that I have the right to privacy, Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 ( b ), " a creditor may not consider a payment on a credit card account under an open-end consumer credit plan as late for any purpose ". Therfore, I DEMAND THAT THIS LATE PAYMENT BE CORRECTED TO REFLECT AN ON-TIME STATUS IN ACCORDANCE WITH THESE XXXX XXXXS . 

I DEMAND THAT YOU PROVIDE ME PROOF OF MY WRITTEN INSTRUCTIONS. WITHOUT MY WRITTEN INSTRUCTIONS YOU ARE NOT ALLOWED TO CONSIDER A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

You leave me no choice but to file a law suite against you for violating my rights. 

My attorney will file a lawsuit against XXXX. My attorney is filing a complaint with FTC.

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 2025-03-30 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: CA

Complaint narrative:
XXXX 2024 XXXX reported a 30 day late payment without my written consent. 

XXXX violated my rights. 

XXXX has been notified three times to date and they are now choosing to ignore me and the violations they committed.

In accordance with the Fair Credit Reporting Act, XXXX, as a creditor, has violated my rights under USC 1681 Section 602 it states that I have the right to privacy, Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 ( b ), " a creditor may not consider a payment on a credit card account under an open-end consumer credit plan as late for any purpose ". Therfore, I DEMAND THAT THIS LATE PAYMENT BE CORRECTED TO REFLECT AN ON-TIME STATUS IN ACCORDANCE WITH THESE XXXX XXXXES . 

I DEMAND THAT YOU PROVIDE ME PROOF OF MY WRITTEN INSTRUCTIONS. WITHOUT MY WRITTEN INSTRUCTIONS YOU ARE NOT ALLOWED TO CONSIDER A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

You leave me no choice but to file a law suite against you for violating my rights. 

My attorney will file a lawsuit against XXXX. My attorney is filing a complaint with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
XXXX 2024 XXXX reported a 30 day late payment without my written consent. 

XXXX violated my rights. 

XXXX has been notified three times to date and they are now choosing to ignore me and the violations they committed.

In accordance with the Fair Credit Reporting Act, XXXX, as a creditor, has violated my rights under USC 1681 Section 602 it states that I have the right to privacy, Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 ( b ), " a creditor may not consider a payment on a credit card account under an open-end consumer credit plan as late for any purpose ". Therfore, I DEMAND THAT THIS LATE PAYMENT BE CORRECTED TO REFLECT AN ON-TIME STATUS IN ACCORDANCE WITH THESE XXXX XXXX XXXX 

I DEMAND THAT YOU PROVIDE ME PROOF OF MY WRITTEN INSTRUCTIONS. WITHOUT MY WRITTEN INSTRUCTIONS YOU ARE NOT ALLOWED TO CONSIDER A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

You leave me no choice but to file a law suite against you for violating my rights. 

My attorney will file a lawsuit against XXXX. My attorney is filing a complaint with FTC.

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 2025-03-30 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Inquiry : XXXX XXXX, 2024 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2025-03-30 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Inquiry : XXXX XXXX, 2024 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, XXXX XX/XX/XXXX and now today XX/XX/XXXX I have lost my job to Checkr background, because of wrong information that is on my background for 8 months I have asked them to remove this information and they say no it's correct and I am like no it's not. They have put me through so much i have lost so much and now I have lost my job to information that just appeared out of no where. And it's not even correct information and it's information that is 9 years old and past the statue of limitations and how can a company keep doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Illegally Sold Debt LVNV Funding Account Number : XXXX Dear CFPB Representative, I am writing to formally lodge a complaint against LVNV Funding for what I believe to be the illegal sale and collection of a debt associated with my account, number XXXX. This debt appears to have been sold in violation of federal consumer protection laws, and I am requesting your intervention in this matter. 

I have reason to believe that this debt was either improperly assigned, lacks proper validation, or has been pursued in a manner that violates the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Debt Validation Issues LVNV Funding has failed to provide sufficient documentation proving the legitimacy of this debt and my obligation to pay it.

2. Unlawful Collection Practices I have been subjected to aggressive and possibly illegal collection attempts, which may include misleading statements, harassment, or failure to provide legally required notices.

3. Potential Credit Reporting Violations If this debt has been reported to credit bureaus without proper validation, it may constitute inaccurate reporting in violation of the FCRA.

I request that the CFPB investigate LVNV Funding 's actions regarding this account and take appropriate enforcement actions if violations are found. Additionally, I ask that any further collection efforts be ceased until this matter is properly resolved.

Please inform me of any updates regarding the status of my complaint. I appreciate your time and assistance in addressing this serious concern. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Credit bureaus have failed to conduct a reasonable investigation into the disputed accounts on my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi. I previously submitted a dispute regarding inaccurate and unverifiable information contained within my credit report. According to the FCRA, credit reporting agencies are required to investigate disputes within XXXX days and provide the results of such investigation. However, upon reviewing my credit report, it is clear that the disputed accounts remain without proper verification or evidence of a thorough investigation. Failure to conduct a reasonable investigation violates FCRA guidelines and my consumer rights. 
As a result, I am demanding the immediate removal of the following accounts within XXXX ( XXXX ) business days from receipt of this letter : XXXX. [ XXXX ] Account Number [ XXXX ] XXXX. [ XXXX ] Account Number [ XXXX XXXX. [ 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Credit bureaus have failed to conduct a reasonable investigation into the disputed accounts on my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi. I previously submitted a dispute regarding inaccurate and unverifiable information contained within my credit report. According to the FCRA, credit reporting agencies are required to investigate disputes within XXXX days and provide the results of such investigation. However, upon reviewing my credit report, it is clear that the disputed accounts remain without proper verification or evidence of a thorough investigation. Failure to conduct a reasonable investigation violates FCRA guidelines and my consumer rights. 
As a result, I am demanding the immediate removal of the following accounts within XXXX ( XXXX ) business days from receipt of this letter : XXXX. [ XXXX ] Account Number [ XXXX ] XXXX. [ XXXX ] Account Number [ XXXX XXXX. [ 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 explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt without proper legal validation. I requested verification under FDCPA 1692g, but they failed to provide a signed contract or proof of ownership. Instead, they only sent a billing statement, which is NOT legal validation.

Despite failing to verify, they continue reporting this unverified debt to credit bureaus, violating FCRA 1681s-2 ( b ). This inaccurate information is damaging my credit. Additionally, they have continued collection attempts without proof, which is a violation of FDCPA 1692e ( misrepresentation of a debt ).

Requested Resolution : Delete this unverified debt from my credit reports immediately.

Cease all collection activity since they failed to validate. 

XXXX XXXX XXXX XXXX for repeated violations of federal law.

Company response to consumer: Closed with non-monetary relief