vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
I am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. I have never done any business with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
XX/XX/year> {$920.00} I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: FL

Complaint narrative:
First of all, I returned the car voluntarily. I call global lending to pick up the car. It was picked up in XX/XX/year>. Since then they had held the account open, even after reselling the car and continued to report derogatory marks. Since then they they have stopped reporting the derogatory marks, but they are failing to give the credit bureaus a proper closing date so to creditors this account looks open when it has been closed for some time. It is a violation of federal law to not report debt correctly,, and the credit agencies are violating federal law for not only doing a proper investigation, but failing to verify the correct amount of the debit. How can this debt be verified when I myself the consumer never received a final statement or disposition of this matter? I have filed numerous complaint to the credit agencies and all Im getting back is that this debt it verified and that can not be true without acces to the full information and disposition of the car. So we have a lending company that is reporting a false debt to the credit agencies and the agencies just excepting this as fact without doing a proper investigation. This will be my finale attempt to use the CFPB to handle this issue. This is the second or third time I have filed a complaint on these issues and now it seems you dont care to help get this issue resolved, and its a clear violation of my federal rights. I do not even have the account numbers and the ones the agencies are reporting are different and do not XXXX which one is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My mortgage was sold in XX/XX/year> and as part of that sale was moved to SPS for servicing. Since it was transferred there have been multiple issues around my property taxes. Initially, the wrong PIN was connected to my mortgage ( through fault of SPS as my original mortgage documents had the correct PIN number ) and SPS paid the incorrect property taxes in XX/XX/year>. Although the incorrect payment was correctly declined by my taxing authority within 10 days of the payment being made, it took until XX/XX/year> for SPS to correct the PIN on my mortgage, and required me to followup on a weekly basis to get this corrected. When the PIN was finally corrected, SPS withdrew the correct amount in taxes for my PIN to pay the taxing authority on XXXX, but it has not been received. I have requested multiple times for a new payment to be remitted and to provide me record of the payment being made as it was never received, however I have been told consistently that it needs to be " escalated to a different department '' and still have not actually been provided with appropriate information. At this point, my escrow account has been withdrawn from but no one can tell me where those funds are as they do not appear to have been appropriately remitted to the taxing authority. SPS 's customer service and Ombudsman departments have not been helpful and there seems to be no other recourse to get this fixed. This Company 's business practices are designed to make things difficult for the end consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding improper debt collection activity related to an alleged debt associated with account # XXXX. The entity attempting to collect this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 16921692p.

1. Violation of Arbitration Agreement : This alleged debt is governed by an arbitration agreement originally established with XXXX. This agreement explicitly states that any dispute must be resolved through binding arbitration. To date, no arbitration has been initiated, which constitutes a material breach of the original contract. Continuing to pursue collection activities without honoring this arbitration clause invalidates your legal right to collect and violates the terms agreed upon by all parties.

2. Cease and Desist Request 15 U.S. Code 1692c : I formally request that all collection efforts cease immediately. Pursuant to 15 U.S. Code 1692c, you are required to stop contacting me regarding this matter. Your failure to do so will be documented as an additional violation of federal law. 

XXXX. Reporting to Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX : I also remind you of the legal precedent set in XXXX v. XXXX XXXX XXXXXXXX, 836 F.3d 507 ( 5th Cir. 2016 ), which clarified that furnishing information about a debt to a credit bureau constitutes a communication under the FDCPA. Therefore, continued reporting of this alleged debt without proper validation will be considered an unlawful act and a violation of federal consumer protection laws. 

XXXX. Disproportionate Cost of Arbitration : I am aware that this alleged debt may have been purchased for a fraction of its face value. In accordance with the binding arbitration clause, I am offering you an opportunity to resolve this matter amicably before escalating through formal arbitration channels. However, if you choose not to comply, please be advised of the significant financial implications involved with arbitration, including : Filing Fees : {$200.00} {$1500.00} Arbitrator Fees : {$500.00} {$2500.00} per day Legal Representation Costs : Often exceeding {$5000.00} Administrative & Hearing Costs : {$1000.00} {$3000.00} These combined costs can easily exceed {$10000.00}, not including potential legal liabilities for continuing FDCPA violations.

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 2025-07-07 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: IL

Complaint narrative:
I am requesting that an investigation be opened regarding the inaccurate reporting of these accounts on my credit report. In accordance with USC 1681g, I ask that they be removed within 15 days. Enclosed are the supporting documents for your careful review. In addition, the reported account data is inconsistent across the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I, XXXX XXXX HAVE AN AMERICAN EXPRESS CARD FOR XXXX. XXXX, XXXX STATED THEY WOULD CREDIT BACK MY ACCOUNT FROM A CHARGE OF {$230.00} WHICH INCLUDES {$59.00}. 

I HAVE SENT OVER TO AMERICAN EXPRESS THE DATA from XXXX and they still are not crediting back my account the full amount stated, Every time I speak with American Express they keep on saying they are waiting on the merchant. 

I am asking for CFPB to help with American Express in crediting back my money from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credimatico LLC
State: TX

Complaint narrative:
XXXX set up a payment arrangement with me and after setting up payment arrangement they falsely sent to a debt collections company, why would you do this and after calling them they keep disconnecting my phone calls and hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCOUNT THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT, AND IT'S PREVENTING ME FROM RECEIVING CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
RADIUS GLOBAL SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTION is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 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 2025-07-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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