vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: SC

Complaint narrative:
I am being told that I have over {$1000.00} in charges pertaining to a repo in XXXX. I paid all of my charges in XXXX and that was why I was able to get my car back. A couple months later, I noticed a balance of my account and I am being told that it is miscellaneous towing fees and other charges when I asked for a itemized receipt, they told me all they could send me was my payment history and they could not break down the amount they are wanting to charge me. I have been told several different things from it might be a lot fee to XXXX not sure I have requested it several times and have been denied everytime. They continuously tell me all they can send me is my payment history, not an itemized receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
i XXXX XXXX am disputing a debt collected on my credit report that does not belong to me due to inaccurate information and hacking into my credit reports and info being displayed on the dark web that i had no clue of until optery sent me a notice from said company COLUMBIA DEBT RECOVERY in the amount of {$1600.00} opened on XX/XX/year>, i do not owe this debt and i request for the debt to be removed from all three credit bureaus as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely frustrated to see that the inaccurate accounts are still showing up on my credit report this morning, and I can not understand why. I checked my report as I always do, but this time I was shocked to find discrepancies out of nowhere. I even refreshed my browser thinking it might be a glitch, but it wasnt. Since these inaccurate accounts were not removed, I urgently request that the documents Ive already submitted be reviewed carefully so that I can finally stop dealing with this stressful issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-26 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: MI

Complaint narrative:
Equifax violated my rights as a consumer by not blocking FRAUDULENT information resulted from identity theft by Equifax furnishing this account on my consumer report. I, the consumer, demanded a block on the fraudulent information pursuant to 15 U.S. Code 1681c-2 no later than four ( 4 ) business days after the date of receipt. Equifax responded to my CFPB complaint on XX/XX/year> that my complaint was received. However, as of XX/XX/year> the information is still not blocked and removed, please note XXXX has already blocked and removed this information. I have attached all required consumer documents for Equifax to block the fraudulent information ; a copy of government issued identification card, a copy of a current utility bill, a copy of an identity theft report, a statement by the consumer in the identity theft report and CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: Bepensa Capital, Inc.
State: NC

Complaint narrative:
My vehicle was repossessed without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. 
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Someone in Texas has stolen my identity and has try to obtain an XXXX XXXX card, started Internet service with XXXX XXXX XXXX and today try to obtain an auto loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
I used to have an account with current online baking system. There was an issue getting paycheck over to them, so as of XX/XX/XXXX I had requested that the account be closed. A current representative granted my request and closed the account. I have a email from them stating that the account is now closed, and when I go into the app it even says that my account is deactivated. I went on to report the change in XXXX, by filing a dispute to let them know that this account is closed, And I even attached a copy of the email sent to me. 

I now have an update from XXXX, stating that they reached out to current and states that the information that my account is open is correct, Which is not the case. There needs to be clear communication once an account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
CFPB Complaint Template ( with 15 U.S.C. 1681 Reference ) XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AR. XXXX XXXX Email Address Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear CFPB, I am submitting this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding violations committed by Equifax, Experian, Transunion Complaint Details : Company/Agency Name : Equifax, Experian, Transunion Type of Violation : [ Credit reporting error, inaccurate collection account, failure to investigate dispute, unauthorized inquiry, etc. ] Date of Occurrence : XX/XX/year> Description of the Issue : I believe Equifax/Experian/Transunion has violated my rights under 15 U.S.C. 1681 in the following ways : Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) : The company has reported inaccurate, incomplete, or unverifiable information on my credit file.

Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) : After I disputed the information with the credit reporting agency, the company did not conduct a reasonable reinvestigation within the required 30-day timeframe.

Failure to Notify of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : I was not provided with the results of the reinvestigation or any correction made to my credit file.

Harm Caused : Due to this violation, I have suffered : Denial of credit opportunities Emotional distress and reputational harm Financial loss from higher interest rates and fees Requested Resolution : I respectfully request that the CFPB : Order Equifax to correct/remove the inaccurate information from my credit report.

Ensure compliance with 15 U.S.C. 1681 moving forward.

Impose any appropriate penalties for non-compliance.

Supporting Documentation : Attached are copies of : My credit reports from the three major bureaus Dispute letters sent to the company and credit bureaus Any responses received ( if applicable ) Thank you for your assistance in resolving this matter and ensuring 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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
CFPB Complaint Template ( with 15 U.S.C. 1681 Reference ) XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AR. XXXX XXXX Email Address Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear CFPB, I am submitting this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding violations committed by Equifax, Experian, Transunion Complaint Details : Company/Agency Name : Equifax, Experian, Transunion Type of Violation : [ Credit reporting error, inaccurate collection account, failure to investigate dispute, unauthorized inquiry, etc. ] Date of Occurrence : XX/XX/year> Description of the Issue : I believe Equifax/Experian/Transunion has violated my rights under 15 U.S.C. 1681 in the following ways : Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) : The company has reported inaccurate, incomplete, or unverifiable information on my credit file.

Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) : After I disputed the information with the credit reporting agency, the company did not conduct a reasonable reinvestigation within the required 30-day timeframe.

Failure to Notify of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : I was not provided with the results of the reinvestigation or any correction made to my credit file.

Harm Caused : Due to this violation, I have suffered : Denial of credit opportunities Emotional distress and reputational harm Financial loss from higher interest rates and fees Requested Resolution : I respectfully request that the CFPB : Order Equifax to correct/remove the inaccurate information from my credit report.

Ensure compliance with 15 U.S.C. 1681 moving forward.

Impose any appropriate penalties for non-compliance.

Supporting Documentation : Attached are copies of : My credit reports from the three major bureaus Dispute letters sent to the company and credit bureaus Any responses received ( if applicable ) Thank you for your assistance in resolving this matter and ensuring 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Rebuttal and Demand for Validation This correspondence serves as a formal rebuttal and demand for validation regarding the above-referenced XXXX account, which is reported as a charge-off. XXXX contradictory communications, continued reporting across all major credit bureaus, and concealment of IRS-related events constitute multiple violations of federal law, IRS reporting requirements, and equitable trust principles. 

1. Contradictory Creditor Statements Letter from XXXX, DE ( XX/XX/XXXXXXXX XXXX : States XXXX has not abandoned collection and balance is valid. 
Letter from XXXX XXXX XXXX, UT ( XX/XX/XXXX ) : States account is too old to sue ( time-barred ). 

These contradictions prove the account is unverifiable under FCRA 611 and constitute false representations under FDCPA 807 ( 2 ) ( A ). 

2. Illegal Re-Aging Across All CRAs This account is still showing on Experian, Equifax, and XXXX as an active charge-off with balance due. 
Each bureau reports continuous CO charge-off updates from XXXX through XXXX. 
Once charged off, an account can not legally be re-aged and reported as new each month. 
This violates FCRA 607 ( b ) ( accuracy ), FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher duty ), and Metro 2 reporting standards.

3. IRS Reporting and Constructive Trust By charging off the account, XXXX secured a tax benefit. 
If the account was sold, securitized, or transferred, XXXX also realized proceeds. 
Under equitable trust principles, those proceeds are tied to my signature/SSN as the original security and can not be concealed while continuing to report the balance under my name. 

I demand all related IRS filings ( 1099-C, 1099-B, 1041 or equivalent ). If no filings exist, XXXX must explain why, despite a charge-off, securitization, or sale, nothing was reported to the IRS. 

4. Pattern of Willful Noncompliance I have already disputed this account with all three CRAs, with XXXX directly, and through the CFPB. 
Reporting has not been corrected and no validation has been produced. 
The continued reporting of contradictory and inaccurate information shows a pattern of willful neglect and noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute the fraudulent account that is inaccurately appearing on my credit report. I want to make it absolutely clear that I never authorized or opened this account, and its reporting is entirely false. This inaccurate information not only misrepresents my financial behavior but also damages my credibility as a responsible consumer.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Date is XX/XX/year> amount XXXX but they did refund me XXXX I have had numerous emails and calls with them but they keep saying they are sending money back to my account or send me a check. The last time I spoke with them they said they already sent it when my institution rep was on the phone with me as well on a three way call. They even told the bank rep that she wasn't being honest and they were holding my money and she said mam I am looking at her account from all the transactions and all you all refunded her was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the presence of a fraudulent account that has been falsely attributed to me on my credit report. I have no knowledge of this account and did not authorize its creation. Its reporting is wholly inaccurate and is unjustly damaging my financial record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX  ] Account Number : XXXX 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