vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I wake the company to remove the collection off of my credit profile. I also asked to close the account, but they refused to do so because they believe I owe the debt.According to 15 USC 1681 b ( 2 ) your negative accounts are 100 % inaccurate because you never gave your written consent to have them reported, so now! can sue you. 15 USC 1681n is basically Civil Liability For Willful Noncompliance. I asked this company to stop reporting & remove the account off my credit due to them not being the original creditor as well ; they said no they could not due to it being a remaining balance. 15 U.S. Code 1692c When a debt collector keeps coming after you for debt " owed '' but you already told them to stop contacting you. Now they owe you {$1000.00} and they have to delete it from your credit report too. All because they violated Title 15 U.S. Code 1692 ( FDCPA ) As to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company cease all further contact with me including but not limited to communication via telephone, electronic mail, or mail correspondence. Your actions to collect this debt from me are harassing and very aggressive, affecting me emotionally and causing me too much stress. If you continue to contact me other than to notify me that you are ceasing all communication, I will be forced to take legal action against you and your company for violation of the Fair Debt Collection Practices Act. As well I will be filing complaints with Federal Trade Commission and Attorney General. If within 10 days I have not received any notification from you or your company of ending communications, I will pursue legal action and place my complaints. Once your debt has been sold to a 3rd party debt collector, the creditor can no longer collect on that debt. They sold your debt to a collection agency. You don't know who they are because you never agreed to anything with them. 15 U.S. Code 6802 No financial institution can share your non pubicks information with a third party entity. The credit XXXX bureaus are a third party entity. Debt Collectors are 3rd party entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or XXXX, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. 
This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen againUnder the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: KY

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rapid Home Lending Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I spoke by phone with two representatives from a company identifying as Rapid Home Lending regarding a VA XXXX refinance loan. During the call, I was verbally offered a 1 % interest rate reduction and a new monthly payment of approximately {$4300.00}. However, I was told this would require over {$17000.00} in " no-cost '' fees to be rolled into the new loan balance. 

At no point during or prior to the call was I provided a Loan Estimate, itemized fee breakdown, or any written documentation outlining the cost structure. Near the end of the call, after reviewing verbal terms, the representative attempted to obtain my Social Security number to pull credit despite not having provided any formal disclosures or documentation beforehand. This was framed as just one more step, which I found to be a high-pressure and inappropriate tactic. 

I declined to move forward with the refinance and followed up via email expressing my concern. The company did not acknowledge the lack of transparency or documentation but continued to justify their approach. I asked not to be contacted again and they emailed once again. 

I am filing this complaint because I believe their practices were misleading and potentially predatory, especially given that this was a VA-backed loan refinance offer. The process lacked upfront transparency, and the attempt to obtain sensitive information without proper disclosures undermined my trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
Equifax XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX regarding their failure to remove an account from my credit report, as they had agreed. 

The account in question begins with XXXX. XXXX XXXX and I reached a resolution in which I agreed to, and did, pay the account in full. As part of this agreement, XXXX XXXX committed to removing the account from all XXXX  major credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX Despite fulfilling my end of the agreement, this account remains on my credit report, which constitutes a clear violation of our arrangement. 

I have attempted to contact XXXX XXXX multiple times to request that they honor the agreement and remove the tradeline, but they have failed to do so. Their continued reporting of this account is inaccurate, misleading, and harmful to my credit standing.

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 2025-04-29 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
XXXX XXXX Accounts in Question : XXXX XXXX XXXX XXXX XXXX  Account # XXXX, {$1100.00} XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, {$400.00} XXXX XXXX Account XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX Account XXXX XXXX, {$180.00} XXXXXXXX XXXX XXXX XXXX  Account # XXXX, {$720.00} XXXX XXXX Personal Information : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Credit Inquiries : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I received communication from XXXXXXXX XXXX  attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the 5-day notice requirement, their reporting and collection activity is unlawful.

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 2025-04-29 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: NC

Complaint narrative:
b'On XXXX XXXX XXXX I submitted a formal dispute to Equifax via certified mail (Certified Mail No.: XXXX XXXX XXXX XXXX XXXX) regarding multiple inaccurate accounts, incorrect personal information, and unauthorized records on my credit report.\n\nI provided a notarized affidavit, prior dispute letters, IRS XXXX  forms, credit report highlights, and court judgments showing errors and unverifiable debts.\n\nDespite receiving these materials, Equifax failed to correct the reporting and continued listing inaccurate charge-offs, outdated personal information, and unverifiable accounts.\n\nFurthermore, Equifax failed to send me an updated credit report after my dispute, violating their obligations under the Fair Credit Reporting Act (15 USC  1681i).\n\nDue to Equifaxs failure to respond, I am including a copy of my TransUnion credit report to demonstrate identical or conflicting inaccuracies still being reported.\n\nThe continued inaccurate reporting has caused financial harm, emotional distress, credit denials, and reputational damage. I am requesting immediate corrective action.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-29 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I NEED TO UPDATE MY ADDRESS AND REMOVE ANY OTHER FRAUDULENT ADDRESS THATS APPEARING ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY FRAUD AND EXPERIAN AND EQUIFAX ARE YET TO REMOVE THOSE FRAUDULENT ADDRESSES FOR ME. PLEASE HELP ME DO THAT. PLEASE SEE MY ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
I submitted a valid government-issued ID to verify a Cash App account for debit card activation. 
I received a vague message saying We need more time to verify your identity with no follow-up, no timeline, and no way to escalate. 

I contacted support through the app and by phone. My call dropped mid-escalation. When I reconnected, I asked repeatedly for Tier 2 review. I was ignored and fed repeated scripted responses despite providing documentation and screenshots. 

I also experienced network disruptions to my XXXX and XXXX accounts while communicating with Cash App, which has been documented. 

Cash App closed my chat without resolution, claiming the issue was handled despite never addressing the cause of the delay or giving me access. 

Im requesting immediate review of my identity submission, internal audit of the support failure, and reinstatement of access to my account and card functionality. 

I have all screenshots, timestamps, and call logs saved. 

Call placed on XX/XX/year> was confirmed recorded by the agent. The representative failed to escalate and dismissed my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 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/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: NC

Complaint narrative:
On XX/XX/year>, I was involved in a car accident in XXXX, NC. My vehicle was towed with me present. On XX/XX/XXXX, at XXXX pm, I was advised by XXXX to retrieve my personal belongings so they could collect the vehicle. However, without my knowledge or consent, my lender ( Global Lending ) moved the vehicle to another location and refused to release it to the insurance company. Because of this, I was forced to pay {$840.00} and an additional {$310.00} for storage. 

At the time of the accident, I had full coverage with GAP insurance and had never missed a loan payment. My car was taken to a repair shop on XX/XX/XXXX, but no repairs have been made. XXXX has been unclear, inconsistent, and unresponsive. I was also told I didnt have rental coverage and havent been provided XXXX, leaving me to pay out of pocket for transportation. 

Additionally, I continue to be charged monthly for my car loan while the vehicle is undrivable. I recently discovered an unexplained charge of {$1200.00}, despite continuing to pay {$540.00} regularly. I contacted both XXXX and Global Lending for answers but have not received a proper response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by AmSher Collection Services on behalf of XXXX in the amount of {$1000.00}. I have never opened a XXXX  account or authorized any services with them. The account was allegedly opened on XX/XX/year>, and has been reported to the credit bureaus as a derogatory collection, negatively affecting my credit. 

I believe this is a clear case of identity theft or erroneous reporting. I have already sent a written dispute and debt validation request to AmSher Collection Services, but the item remains on my credit report. I am requesting the CFPB investigate this matter and ensure AmSher provides proper validation or removes the account entirely from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-30 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX # XXXX I was a victim of identity theft. I have a police report and it is reported. Also I was never aware of this debt and never had the opportunity to dispute it until it appeared on my credit report. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. Please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation