vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
I went to XXXX XXXX University for around a year but was forced to drop out because of health related issues. After I dropped out, XXXX XXXX University falsely said that I owed them the money I received in student loans and frequently sent me emails, phone calls, and physical letters about it. After a couple months of this, XXXX XXXX University then sent this false debt over to a debt collector who started to harass me with frequent phone calls, texts, emails, and physical mail. Since then, this debt has been passed around to multiple debt collectors who all have harassed me with phone calls, texts, emails, and physical mail. In addition, XXXX XXXX University still contacts me saying that I owe them money even though I do not. Currently, SIMM associates contacts me daily about this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was fraudulently added to an auto loan without my knowledge or consent, and I was not present at the time of the transaction. I do not possess a drivers license and had no involvement in the purchase. Upon discovering this unauthorized activity, I contacted the dealership, but they failed to provide assistance or correct the issue. This situation is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX, which entitles me to dispute any inaccurate or unauthorized information on my credit report. Additionally, under XXXX U.S.C. XXXX, I have the legal right to request the blocking or removal of any data that resulted from fraud or identity theft. I did not authorize being added as a co-signer, and I am formally requesting that this fraudulent loan be immediately investigated, removed from all credit reports, and that I receive written confirmation once the account has been deleted. Failure to act may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: RI

Complaint narrative:
XXXX  may have improperly accessed, shared, or otherwise mishandled sensitive student loan data without proper authorization or consent.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
On XX/XX/XXXX, my bank account was hacked, along with my XXXX account and my Barclay Bluegreen Mastercard. The hacker also requested online statements from my Mastercard. Then hacker attempted to pay off the balance on my Bluegreen card, but because I didn't recognize the payment, I had the bank reject the payment. Then somehow a new card was issued in my name on my account and several transactions posted to this new account. When I was notified by email of this new card and the transactions, I called Bluegreen XXXX and reported the fraudulent transactions. They removed those transactions and that card was closed, but another card was issued and more transactions posted to that account. I again called Bluegreen Mastercard and reported those transactions as fraudulent. I had them close that account. Every time I talk to the fraud department with Bluegreen Mastercard they assure me that the account is closed. There is a balance of {$120.00} on the account, all of that from the fraudulent transactions and a late payment fee. I have talked to several different people over a dozen times. In the past two weeks I have received 2 calls a day from Barclay card informing me that my {$59.00} payment is overdue. I've talked to them in the past two weeks, but nothing ever seems to get resolved. I don't think that I should have to pay off a balance that I am not responsible for.

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 monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
You have reported inaccurate XXXX unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed itemsXXXX XXXX  XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging XXXX  unjust, especially since Ive never opened or authorized these accounts. If you fail XXXX investigate XXXX  correct this, I XXXX pursue legal action under the FCRA XXXX FDCPA ( XXXX XXXX Code XXXX ) for deceptive XXXX misleading reporting.

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 2025-05-02 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: NY

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

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

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX SELF EMPLOYED MY COMPANY XXXX XXXX * * * * * * * XX/XX/XXXX {$0.00} Charged off XXXX  XXXX * * * * * * * * * * * XX/XX/XXXX {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX XXXX & XXXX BANK XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NY

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

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

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX SELF EMPLOYED MY COMPANY XXXX XXXX * * * * * * * XX/XX/XXXX {$0.00} Charged off XXXX  XXXX * * * * * * * * * * * XX/XX/XXXX {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX CRE XX/XX/XXXX XXXX & XXXX BANK 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 non-monetary relief
Consumer complaint received 2025-05-02 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 HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  -- {$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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I attempted to verify this debt with western shamrock finance on XX/XX/year> to resolve this account where they stated it was sold off to an unknown debt collector. I then requested a XXXX for this since the debt was sold off which they stated to not have nor had knowledge of the debt collector. I then attempted to contact the number located on my credit report for the debt collector and it is not a working number. Im seeking this to have this removed from my credit report because they are unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX U.S.C. XXXXi ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2025 To : AVANT LLC/WEB BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Formal Request for Verification of Account Pursuant to FCRA 1681e ( b ) and 1681s-2 Re : Account # XXXX Dear Compliance Department, This letter constitutes a formal request for full verification and validation of the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( b ) ( Maximum Possible Accuracy ) and 1681s-2 ( Duties of Furnishers of Information ). 

In order to verify the accuracy of the information you are furnishing to credit report please provide the following documentation : Date of First Delinquency on the account leading to charge-off ; Date of Charge-Off ; Date of Last Payment recorded on the account ; Exact Charge-Off Amount, including a breakdown of principal, interest, fees, and any other amounts ; Full Payment Ledger showing all credits and debits from inception to closure ; Original Signed Contract or Application bearing my signature ; Copies of All Monthly Billing Statements ; Charge-Off Notification Letters, including any settlement communications ; Final Account Closure Letter, if any ; Chain of Title Documentation, if the account was sold or transferred. 

Furthermore, I demand that you : Preserve all records related to this account, including all communications, payments, internal notes, and any disputes ; Please consider this a continuing request for information. Should you fail to provide the requested documentation within thirty ( 30 ) days, I will presume that you lack the ability to substantiate your reporting and will escalate the matter with the the Federal Trade Commission ( FTC ), and seek private remedies under 15 U.S.C. 1681n and 1681o. 

This communication is made for the purpose of ensuring maximum possible accuracy under the FCRA and preserving all rights for future legal action. 

Please forward all requested documents and any written responses to my address listed above. 

I reserve all rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NC

Complaint narrative:
XX/XX/year> FIRST CREDIT SERVICES XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear FIRST CREDIT SERVICES, I am writing XXXX formally notify you that your attempts XXXX  collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX  XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due XXXX the binding agreement. XXXX date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right XXXX collect on this alleged debt. 

I am writing this as I humbly seek XXXX  have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency XXXX remove all information XXXX/or tradelines associated with this account. I request a written confirmation of that communication XXXX be sent XXXX  the address you have on file. 
XXXX. A settlement agreement that I XXXX retain for my records. 
XXXX. XXXX compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence XXXX force me XXXX  pursue further legal action, that option will be explored. In the event that needs XXXX happen, you are subject XXXX a significant increase in demands XXXX cover damages, attorney fees, XXXX more. I am sure a company of your caliber does not look XXXX unreasonably be exposed XXXX those routes. 
Thank you for your immediate attention XXXX this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

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 non-monetary relief