vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the debt you allege I owe and to notify you that your actions appear to be in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have no contractual obligation for the alleged debt, and your continued attempts to collect are without legal basis. Your attempts of false representation of the debt amount, failure to provide required validation notice, harassment by repeated calls, or contacting me at my place of employment after being informed not to ] constitutes a direct violation of 15 U.S.C. 1692d, 1692e, and/or 1692g.

You are hereby notified to : 1. Cease all communication with me regarding this alleged debt except as permitted by law.

2. Provide full written validation of the debt as required under the FDCPA, including the original creditors name, the amount alleged, and proof that you have legal authority to collect it.

3. Cease any further reporting of this alleged debt to credit bureaus until it has been validated.

If these unlawful collection attempts continue, I will have no choice but to pursue all legal remedies available, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Synovus Bank
State: GA

Complaint narrative:
This account is being reported inaccurately and in violation of an agreement made with the creditor First Progress. I entered into a settlement/payment agreement with the original creditor that explicitly included the removal of this account from my credit report upon payment in full. The agreed-upon deletion was to occur in 2022, yet the account continues to be reported as a paid charge-off. Failure to honor this agreement constitutes misreporting under the Fair Credit Reporting Act ( FCRA ) because the current status and continued presence of this account are not an accurate reflection of the terms agreed upon and fulfilled. This also creates misleading and damaging information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting that TransUnion : Provide my complete consumer file report in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.

Block or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my privacy rights are upheld.

Conduct a manual, human-led review of my file rather than an automated or e-OSCAR system-based response, as required for a proper reinvestigation.

Provide written confirmation of compliance within 30 days of receipt of this complaint, as mandated by federal law.

Cease the unauthorized dissemination, sale, or transfer of my information to any third-party platforms or entities without my express written consent.

Implement proper safeguards and compliance protocols to prevent future violations of consumer privacy rights.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am requesting that TransUnion : Provide my complete consumer file report in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.

Block or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my privacy rights are upheld.

Conduct a manual, human-led review of my file rather than an automated or e-OSCAR system-based response, as required for a proper reinvestigation.

Provide written confirmation of compliance within 30 days of receipt of this complaint, as mandated by federal law.

Cease the unauthorized dissemination, sale, or transfer of my information to any third-party platforms or entities without my express written consent.

Implement proper safeguards and compliance protocols to prevent future violations of consumer privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
This is not my debt! I recently checked my credit report and saw this. This must be deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
I am filing this complaint because Equifax has been reporting multiple inaccurate and unverifiable accounts, inquiries, and late payment entries despite my repeated disputes. Several XXXX  accounts are being reported with false late payment notations, including account # XXXX opened on XX/XX/XXXX with a balance of {$7400.00}, account # XXXX opened on XX/XX/XXXX with a balance of {$5800.00}, account # XXXX opened on XX/XX/XXXX with a balance of {$6400.00}, account # XXXX opened on XX/XX/XXXX with a balance of {$710.00}, account # XXXX also opened on XX/XX/XXXX with a balance of {$710.00}, and account # XXXX opened on XX/XX/XXXX with a balance of {$4700.00}. In each case, I have requested proof of the alleged late payments, but neither Equifax nor the furnisher has provided any original signed contracts, payment histories, or other documentation that would verify these negative reports. 

In addition, my credit report contains a collection account from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$2500.00}. I have no relationship with this creditor, and no proof has been provided to establish that this debt is mine. 

My report also contains an unauthorized hard inquiry from XXXX on XX/XX/XXXX. I did not apply for any credit or authorize this company to access my credit report. This inquiry was made without my consent and without any permissible purpose under the Fair Credit Reporting Act.

I have disputed these items multiple times, but Equifax has failed to conduct a reasonable reinvestigation as required by FCRA 1681i, continues to report unverifiable information, and has not corrected or deleted these inaccuracies. This ongoing negligence is harming my credit score, damaging my creditworthiness, and affecting my ability to obtain fair credit. I am requesting that the CFPB take action to ensure Equifax removes all inaccurate, unverifiable, and unauthorized entries from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Ive added new found information further validating that I am a victim of identity theft and my information has literally been involved in numerous data breaches including that of the XXXXXXXX XXXX and Ive fraudulently been added to unauthorized authorized user accounts for multiple credit cards! I will attach the new found information and proof solidifying that theses inaccurate remarks on my credit report is indeed fraudulent and verifiably not mines. As stated in my last report, my information was also once coincided with someone as the same name as me. Any address on my report that is not on my ftc report or identification is not mines and needs to be removed as well! My rights have been violated and any data furnisher permitting to publish this fraudulent, inaccurate information is going against my federal consumer rights, according to FCRA & XXXX  compliance. 
This is my final notice, all of my supporting documents will be attached along with my new updated FTC report, etc XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2025-08-10 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: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company
State: FL

Complaint narrative:
Company : XXXXXXXX XXXX XXXX dba Premier Loan Solutions Issue : Unauthorized debits after ACH revocation ; inaccurate/unclear TILA disclosures ; predatory terms. 
Summary : I revoked XXXX authorization on XX/XX/XXXX. The company continued to debit my account, violating XXXX XXXX XXXX XXXX shows Amount Financed = {$800.00} in the XXXX XXXX, but the Itemization of Amount Financed improperly totals {$3600.00}, apparently including finance chargesan inconsistency with XXXX XXXX I requested a XXXX of post-revocation debits, a corrected TILA itemization, payment history, and the arbitration clause ; no satisfactory response. 
Requested Resolution : Refund all post-revocation debits and any related bank fees ; confirm future debits are XXXX ; provide corrected TILA disclosures, complete agreement, payment history, and payoff ; cease unfair/deceptive practices. 

THEY HAVE WITHDRAWAL XXXX PAYMENTS SINCE I SEND THE LETTER, {$200.00} & {$220.00}. I AM LOOKING FOR A REFUND! 

Uploads : XX/XX/XXXX letter, Final Demand, bank proof, agreement excerpt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GFS II, LLC
State: MD

Complaint narrative:
this is a charged-off account, believe this debt is not owed, either because it was already paid in full to the original creditor, or it's simply an error. this debt ( especially if it was paid or is incorrect ) is being inaccurately reported on your credit report, which is harming your XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to seek your assistance in resolving a serious financial hardship that has significantly impacted my stability and well-being. Due to unfair lending practices, fraudulent charges, wrongful fees, or a financial institutions failure to act in good faith, I have faced homelessness, loss, drained savings, credit harm, emotional distress, etc.Despite my efforts to resolve this directly with XXXXXXXX XXXX XXXX XXXX XXXX XXXX, experian XXXX XXXX XXXX, XXXX XXXX, I have been unable to reach a fair resolution. 

The situation has left me feeling like theres no integrity in the world like i have no rights. I trust the CFPBs authority to hold financial institutions accountable and ask for your intervention to help me recover what Ive lost and prevent further harm to others. 

Ive attached relevant documentation [ receipts, statements, correspondence ] and am available to provide any additional details. Thank you for your time and commitment to protecting consumers. 

Sincerely, 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
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN ( Last XXXX ) : XXXX Date : XXXX XXXX XXXX  Via Certified Mail Return Receipt Requested To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Final Demand Removal of All Inaccurate, Incomplete, and Unverifiable Information Under 15 U.S.C. 1681 ( FCRA ) Dear Sir/Madam, I have contacted your offices multiple times by phone and have submitted prior disputes regarding inaccurate, incomplete, outdated, and unverifiable information in my credit file. You have failed to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and you have continued to report false, misleading, and damaging information. 

This is my final written demand that you immediately remove from my credit reports all of the following : All late payment entries All incorrect and/or outdated addresses All unverifiable accounts All unauthorized inquiries All derogatory or negative marks that can not be verified with complete accuracy Your obligations under federal law : 15 U.S.C. 1681i ( a ) : You must conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this letter, delete any item that can not be verified, and provide me with written results. 
15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy in my file.

15 U.S.C. 1681g : You must provide me with all information in my file, including sources, furnishers, and a record of all entities who have accessed my file.

Failure to comply will be treated as willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o, and I will not hesitate to seek all remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing civil litigation for damages.

Enclosed are copies of my government-issued identification and proof of current address for verification purposes. I expect the following within 30 days of receipt : 1. A detailed investigation report for each disputed item.

2. An updated copy of my credit report showing complete removal of all inaccurate, incomplete, outdated, and unverifiable items.

This letter serves as your final opportunity to correct and remove all damaging and unverifiable information before I take further legal action. 

Sincerely, XXXX XXXX XXXX [ Signature ] Enclosures : Copy of Government-Issued ID Proof of Current Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
Subject : Request for Goodwill Deletion of Account from Credit Report I am writing to request the removal of an account from my credit report The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1500.00} I respectfully request that, given the resolution of the debt and my commitment to improving my credit standing, you consider removing this account from my credit report. While I understand that accurate negative information can be reported for up to seven years, I am asking for a settlement of {$300.00} or less than the full balance and a goodwill deletion as a courtesy. 

I have taken significant steps to improve my financial habits, and removing this account would greatly assist in my efforts to rebuild my credit.

Please let me know if you require any additional information to process this request. I appreciate your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: WV

Complaint narrative:
I have submitted several documents to this company proving that when I signed up for XXXX XXXX XXXX XXXX XXXX which is WV state program agreed to pay for my classes. However, XXXX 's turned me over to collections before those arrangements could be completed and refused to give me credit for the classes I took. I never agreed to pay for these classes. I only signed up for them because the XXXX XXXX XXXX XXXX  was paying for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX TransUnion LLC, Consumer Disclosure Center, XXXX. XXXX XXXX, XXXX, PA XXXX Last XXXX of XXXX : XXXX To whom it XXXX concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listedcorrectly. My address should read : XXXX XXXX XXXX XXXX XXXX KS, Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my XXXX card as well as a recent copy of my ( Social security card, utility bill, Etc ) for your verification. 
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 non-monetary relief
Consumer complaint received 2025-08-10 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: Kikoff Inc.
State: MD

Complaint narrative:
this is a charged-off account, believe this debt is not owed, either because it was already paid in full to the original creditor, or it's simply an error. this debt ( especially if it was paid or is incorrect ) is being inaccurately reported on your credit report, which is harming your XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
There are multiple addresses and phone numbers showing up on my credit report. There are also multiple variations of my name listed on my credit report There are also multiple hard credit inquiries on my report for accounts that I do not have.

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 2025-08-09 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: FL

Complaint narrative:
There are multiple addresses and phone numbers showing up on my credit report. There are also multiple variations of my name listed on my credit report There are also multiple hard credit inquiries on my report for accounts that I do not have.

Company response to consumer: Closed with explanation