vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I have several charge off and inquires, addresses and phone numbers that aren't associated with me. I requested information from multiple companies on my credit file because inaccuracies are reporting various dates and transferred to other companies. will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The bureas are suppose to report accurate information and based on the accounts in collections, chargeoff, and recent inquires this is not happening. I believe that i have been effected by multiple data breaches. XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00}, XXXX XXXX  {$510.00}, XXXX {$870.00}, XXXX XXXX XXXX XXXX XXXX This is my only address that should be there : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX everything else I am not associate with and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I am filing this complaint against Equifax for unlawfully reinserting two previously deleted XXXX XXXX XXXX XXXX accounts back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) .The Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement action against Equifax for violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). Below is a refined and enhanced version of your Fair Resolution Request that references actual legal authority and recent CFPB action : After a successful dispute process, Equifax confirmed the deletion of both XXXX XXXX accounts. However, these accounts have since been reinserted without my knowledge or consent, and now reflect derogatory payment history : One account shows five missed payments The other account shows three missed payments Per FCRA Section 611 ( a ) ( 5 ) ( B ), if a credit bureau chooses to reinsert previously deleted information, they are required by law to : Obtain certification from the furnisher that the information is accurate and complete ; and Notify the consumer in writing within five ( 5 ) business days of reinsertion, including the name, address, and telephone number of the furnisher.

Equifax failed to provide any such notice, which constitutes a direct violation of the FCRA and a breach of my consumer rights. This unauthorized reinsertion has caused significant harm to my credit profile and financial standing.

I am requesting the CFPB 's assistance in : Investigating Equifaxs failure to comply with FCRA reinsertion provisions Ensuring the permanent removal of the reinserted XXXX XXXX accounts Preventing future reinsertions without full legal compliance Holding Equifax accountable for this violation I have uploaded supporting documentation including prior deletion confirmations, current credit reports showing the reinserted data, and dispute records. Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I had insurance plus gab insurance to cover all expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Credit Account- 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> Please block/remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I got a copy of my credit report and noticed there were some inquires I didn't authorize and do not belong to me. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX, PA XXXX RE : Formal Notice of Identity Theft and Demand for Immediate Deletion of False Addresses from Credit File Under the FCRA To Whom It May Concern, I am writing to provide you with formal written notice that I am a victim of identity theft and to demand the immediate deletion of the following false and unauthorized addresses that appear on my credit report. These addresses do not belong to me, and I have never resided at any of them : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX The only address that should appear on my credit report is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, when a consumer provides a credit reporting agency with notice that they are a victim of identity theft and identifies information resulting from that theft, the agency must block and remove the fraudulent information within 4 business days of receiving the notice. This law exists to protect victims of identity theft and to prevent further harm from the reporting of false information.

I am not requesting an investigation. I am notifying you that this information is fraudulent, and I demand that you comply with your legal obligations under the FCRA by immediately and permanently deleting all of the above-listed addresses from my credit report.

Failure to comply with this demand constitutes a willful violation of the FCRA and subjects TransUnion to civil liability, including but not limited to : Actual damages ( 15 U.S. Code 1681o ) Statutory damages of up to {$1000.00} per violation Punitive damages for willful noncompliance ( 15 U.S. Code 1681n ) Attorneys fees and court costs You are hereby advised that any further delay or refusal to correct this information may result in legal action being taken against your agency. I expect written confirmation that all the disputed addresses have been deleted and that only my accurate and verified address remains on file. 

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I asked them first to show me a history of me making payments on this account and show me where I signed my signature guaranteeing that I would pay this creditor and also Im asking has there been any insurance claim found on this debt?

I want proof that they have a chain of title to collect on this debt. ( 15-USC-1592-G ) .

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$7500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX Amount/ XXXX Capital one I have no knowledge of this account. My idently have been stole on XXXX and I have reported it to the police and I would Like this removed of my credit account if you can proved me proof off an account that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax i understand you have been sued for not reporting accurately, guess its goin to be my turn to sue under FCRA605requires deletion of information cause harm and vulnerability. 15 USC 1681i section a section 5a states you have to provide original documentation as I have asked with my signature any thing less is legally insufficient under federal law any disputed item that can not be verified must be deleted unless you Equifax can furnish original documentation with my wet live signature provided I originated this account you must delete that means no screen shots, no digital entries, no date dumps { bill of sale to XXXX XXXX it does not have my name on it { so how my name on it } I demand deletion I an receiving SSI I am classified as judgment proof and I demand deletion. FCRA section623 debt collector have no proof. please respond through the CFPB for my court records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CARVANT FINANCIAL LLC
State: DE

Complaint narrative:
I am filing this complaint regarding a repossession account reported by Carvant Financial LLC ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) on my credit reports with XXXX XXXX, and XXXX. I have submitted multiple disputes to the credit bureaus requesting removal of this account based on inaccurate and inconsistent reporting, lack of legal validation, and a failure to properly investigate. 

Despite my efforts, this account continues to be verified as accurate without any documentation being provided or reviewed. This violates my rights under the Fair Credit Reporting Act, specifically : XXXX XXXX Code XXXX failure to conduct a reasonable reinvestigation ; XXXX XXXX Code XXXX ( b ) the furnisher failed to correct or remove inaccurate information after being notified by the bureau ; XXXX XXXX Code XXXX blocking of information resulting from fraud or improper repossession procedure. 

There are inconsistencies in the reported balance, payment history, and status across all three bureaus. Additionally, I was never properly notified of the repossession or given an opportunity to cure the alleged default, which makes the reporting unlawful. 

I am requesting that this account be removed from my credit file across all bureaus and that the furnisher be held accountable for failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-18 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-18 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 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 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/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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a batch of formal disputes. These disputes are being submitted to Experian in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c2, 15 U.S. Code 1666b, 15 U.S. Code 1601, and 15 U.S. Code 1602 ( p ). The disputes pertain to items currently appearing on my credit report that are either the result of identity theft or inaccurate, incomplete, or misleading as defined under federal law.

Each dispute has been documented in its own detailed letter, including analysis of the reported account, specific legal references, and required action items. I am not requesting correction I am demanding deletion based on the governing statutes. 

Included in this submission you will find the following : - Individual dispute letters for each inaccurate or fraudulent tradeline - Supporting identity documentation ( e.g., ID, proof of address, FTC report ) I request that you confirm deletion of the disputed accounts within 5 business days. If you fail to act within the timeline prescribed by 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 2025-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: GA

Complaint narrative:
This credit lending servicing is charging an exorbitant amount for the billing cycle while only charging a small portion towards the principal. The billing cycle service fee gets higher the more you pay and you cant pay your whole balance at once

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Urgent Dispute Regarding Incorrect Credit Reporting on XXXX XXXXXXXX I am writing to formally dispute an inaccurate report on my credit regarding my student loans with the Department of Education. I monitor my credit through XXXX XXXX weekly, and cross reference with my XXXX XXXX  and Transunion report. My accounts were consistently listed as on-time with terms met. However, I was recently shocked to find that a * * 90-day past due amount * * had been reported for * * four * * of my Department of Education loans , despite my payment history showing otherwise.

This reporting is entirely * * false and misleading * *, as there were no prior indications of late payments at * * 30 or 60 days * * only an abrupt 90-day delinquency. Such an error has caused significant damage to my credit score, affecting my financial standing and future opportunities. 

I depend on XXXX XXXX to keep me updated on my accounts, and this situation is both unacceptable, not just financially harmful, but life altering.

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