vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My bankruptcy was dismissed and before I was able to re-file my car was repossessed. I received no calls, mail or an email reaching out to me. I had to use my tracker to find my car that was repossessed at XXXX in the morning and all my important documents ( XXXX, XXXX  title and pet registration documents ) were not given back to me when the repo place gave me my things in trash bags.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
I asked the debt collector GRANT MERCANTILE AGENCY to provide any original documentations with my original signature, as well as my identification indicating I establish any type of business with them for the amount of {$2100.00}. I also ask them have they receive any of my information from any other party that I did not give them permission to do so and they should stop fraudulently, using my information to try and collect a debt of {$2100.00} of a contract that I did never establish with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I got notice of a new Collection so my so my credit score went down!! The name of the company is called ability recovery service. They bought it from XXXX XXXX XXXX. they reported it as a new collection, which is not true, they purposely put it as a new collection, I sent them a certified letter to verify the debt since its similar to the one from XXXX!!! my complaint is that ability recovery service having the debt from XXXX XXXXXX/XX/XXXXtry to report this debt has been a new collection. This is violation!! thank you for all your help!!

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 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MS

Complaint narrative:
On or around XX/XX/year>, Rent Recovery Solutions began reporting a collection account related to a rental debt that I have formally disputed as inaccurate and unauthorized. I submitted a written dispute and a formal debt validation request under the FDCPA 809 ( b ) and invoked protections under FCRA 605B due to concerns regarding identity theft and the legitimacy of the alleged lease obligation.

Despite this, Rent Recovery Solutions has : Failed to provide original lease documentation or signed proof of liability, Refused to furnish a complete accounting or validation of the debt, Continued reporting the disputed account to credit bureaus, Sent a vague CFPB response claiming they possess documentation but instructing me to request it separately via U.S. Mail, without attaching anything to substantiate the debt.

This response is non-compliant under federal law, particularly FCRA 605B, which requires that no account subject to identity theft be reported unless verified through documentation and furnished to the consumer. Additionally, their actions violate FDCPA 809 by failing to provide meaningful debt validation.

I have since issued a formal cease and desist notice and demanded that all collection activity and reporting stop until proper documentation is sent to me. Reporting or collecting on this account without providing that documentation is a willful violation of federal law. I am requesting full deletion of this account and investigation into their continued noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation.

These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. [ XXXX XXXX  ] [ Account Number- XXXX ] [ XXXX  XXXX ] [ Account Number- XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
THE THREE MAJOR CREDIT REPORTING AGENCIES ARE REPORTING INACCURATE INFORMATION REGARDING MY CREDIT REPORT. THE INFORMATION REPORTED ARE NOT CONSISTENT ACROSS ALL THREE BUREAUS WHICH IS DEEMED INACCURATE REPORTING, WHICH IS A CLEAR VIOLATION OF MY RIGHTS & THE US CODE LAWS IN PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX Accounts : XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} Hard Inquiries : XXXX. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MA

Complaint narrative:
Sent letter asking for verification of inaccurate and negative information on credit report. Credit reporting agency sent letter stating information was verified, then sent another letter asking. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly. And reporting agency did not respond with the request just the same letter that items were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MO

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX  XXXX, PA XXXX RE : Fraudulent Truist Account Identity Theft Notification and Request for Immediate Action under FCRA Section 605B Dear XXXX XXXX XXXX I am writing to inform you that I am a victim of identity theft, and fraudulent activity has been reported on my credit file. Specifically, a XXXX XXXX  account has been inaccurately reported on my credit report. This account was not opened by me, nor did I provide any knowledge, consent, or approval for such an account to be created in my name. 

In addition to this fraudulent account, I have discovered that other unauthorized credit cards and financial accounts have been opened in my name, and in some cases, my mail was unlawfully re-routed as part of the identity theft scheme. These criminal actions have had a significant impact on my personal and financial wellbeing. 
I am formally requesting, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that you block this inaccurate information from my credit file and cease reporting this fraudulent XXXX  account, as well as any other accounts confirmed to result from identity theft.

Enclosed, please find the following supporting documents : A copy of my Identity Theft Report, i Proof of my identity, including a government-issued ID and proof of address. 

Relevant materials from the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) outlining your legal obligations as Credit Reporting Agencies in responding to identity theft disputes under FCRA.

You are legally required to block fraudulent information from my credit report within four business days of receiving my identity theft report and supporting documentation. You must also notify the furnisher of the disputed item ( s ), in this case, XXXX XXXX, of the block as required by law. 

Please confirm in writing that the fraudulent item has been blocked from my credit report and that the furnisher has been notified. I appreciate your immediate attention to this matter and expect your compliance with federal law. 

Sincerely, 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
There are some inquirys on my report that I am unaware of. There is a XXXX XXXX on XX/XX/XXXX which I do not recall and JPMCB CARD is on my credit report for a total of 3 times now. The first one was on XX/XX/XXXX second one XX/XX/XXXX and the last one recently on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: IL

Complaint narrative:
I've obtained a copy of my credit report and noticed multiple inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been extremely detrimental to my credit file and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: IL

Complaint narrative:
I've obtained a copy of my credit report and noticed multiple inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been extremely detrimental to my credit file and my life.

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 2025-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
Received a call from my cosigner, who is well past her XXXX, telling me that she has told them multiple times.to stop calling.her and remove her number from their call list and they continue to call her, multiple times a day. They also tell use unethical tactics to not reveal information to her that they've told me about my student loan. They even communicate with her after I express what I plan to do with my loan, which is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account Number ( last XXXX ) : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
There was an apartment rented using my name and signature, claiming it was a joint account with my daughter. I've never authorized the use of my information or signature to sign a lease in a state I have never been to a day in my life, so how could I have signed the lease. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MI

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within XXXX days, as it is XXXX my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On/about XX/XX/year> I made a final payment on my Capital One credit card in the amount of {$450.00}. The account showed a XXXX balance ( paid ), and I closed the account the following day. 

On XX/XX/year> I received an email stating my payment was past due and there was a {$25.00} late fee. This was a surprise, as I had paid the account in full before closing it. Researching the cause, it appears Capital One did not accept the payment of {$450.00} a few days after XX/XX/year>, even though the account balance had been {$0.00}. I called Capital One and spoke with XXXX representatives to explain the situation, that I would pay the balance I owed, but not a late fee because they never notified me the payment was not received. Each of the XXXX representatives said we cant waive the late fee, theres nothing we can do, sorry. 

XXXX XXXX  failure to notify me of a payment that wasnt accepted, after the account balance had shown {$0.00}, resulted in them assessing a late fee. I am disputing that Capital One was responsible to notify me but didnt, therefore the late fee is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MA

Complaint narrative:
Sent letter asking for verification of inaccurate and negative information on credit report. Credit reporting agency sent letter stating information was verified, then sent another letter asking. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly. And reporting agency did not respond with the request just the same letter that items were verified.

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 2025-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: TN

Complaint narrative:
I received a letter from a collection company for a debt that I didn't know about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
My cash app was closed and I couldnt figure out why so I asked the cash app support team and they only told me that it was closed because I violated their policy which I did not and they didnt even tell me which ones I violated which make any since and Im not sure what is going on and I been still trying to figure it out Ive have this account for about three years now and all Ive ever done is order food and get rides to work and pay for my XXXX  XXXX and other app like XXXX and XXXX and XXXX XXXX  so I dont understand why they just couldnt tell me wat they think I may have done I also had my lawyer to look it over and he and his team couldnt find a thing out of order but cash app says they team found something but that make no since at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: IA

Complaint narrative:
My consumer report/ social security number had been leaked in a data breach so I have a serious amount of fraud and identity theft on my report

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 2025-06-01 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: IA

Complaint narrative:
My consumer report/ social security number had been leaked in a data breach so I have a serious amount of fraud and identity theft on my report

Company response to consumer: Closed with explanation