vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
This is a follow-up to the previous entry regarding the erroneous amount of a garnishment order from XXXX. 

There are a few key details I failed to provide, that was unfortunately left out due to the severe mental and emotion stress that this has ensued upon my family and I as I am the head of household. 

The contract/loan was signed back in XXXX of XXXX, XX/XX/XXXX to be exact. The car was repossessed in XXXX of XXXX in Illinois. The car then sold in XXXX of XXXX at an auto auction. I contacted the loan company at the time which was XXXX XXXX, but they now go by a different LLC. XXXX at the time told me, once the car is sold, they will send me a print off of the value it was sold for - this was not done. 

Then in XXXX I relocated back to Arizona. Then, the XXXX time I was ever notified about a suit was by my current employer in XXXX - about a legal garnishment that was ordered back in XXXX. 

I WAS NEVER SERVED LEGAL DOCUMENTS, I DID NOT RESIDE AT THE ADDRESS AT THE TIME. Due to this server processing error, a automatic judgement was granted on the behalf of this XXXX XXXX debt collection agency. This business is practicing illegal tactics, and they refuse to update anything as it pertains to the LEGAL ALLOWED LIMIT PROP XXXX - that was passed in XXXX ( XXXX violation for not updating the paperwork of the garnishment with the reflected legal amount of 10 %. The conversation that I had with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, stated that he's not obligated or required to produce any documents as it relates to the original contract of the car loan for {$12000.00} that was signed back in XXXX. This is the XXXX violation under the federal laws. I checked under the BBB for all XXXX entities under the court order, and this seems to be a repeated pattern with many other clients previously. However, I plan on taking this as far as I can go legally. My rights have been ignored and violated, and this issue has caused extreme financial ruins that lead up to multiple health related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: DE

Complaint narrative:
XXXX closed my account on XX/XX/year>. The account is showing a reported balance of {$24000.00} and a reported XXXX missed late payments. I am requesting that the late payments be removed from my credit report along with the remaining balance. This account was closed due to XXXX delaying the pick up the car that was totaled out.

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 2025-05-22 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: AZ

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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: AZ

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-22 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: GA

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$4800.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$650.00} Inquiries XXXX XXXX Date : XXXX XXXXXXXX XXXXK Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : 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 2025-05-22 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: GA

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$4800.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$650.00} Inquiries XXXX XXXX Date : XXXX XXXXXXXX XXXXK Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-05-22 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: CA

Complaint narrative:
This letter is to put you on notice : you are reporting a tradeline that is not accurate, and doing so is a direct violation of federal lawspecifically, 15 U.S. Code 1681e ( b ), which requires the maximum possible accuracy of any information included in a consumer report.

Let me be very clear : this tradeline does not meet that legal standard. If the information you're reporting is not 100 % accurate, it has no place on my credit reportperiod.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I received a call that this company is taking me to court. They reached out to my mother. When she was not on anywhere to contact revealing my private personal information. This was supposed to be taken out of my paycheck, and they're saying that it wasn't, I would never received a letter in the mail or a phone call or anything like that. And now they're trying to take me to court. Company shouldn't be revealing it. Personal information to somebody that didn't have the information. They're saying that I have to pay over XXXX some dollars when the furniture was less than that. And if I don't, then I have to go to court and pay almost XXXX XXXX dollars. I am literally out of work right now. Due to XXXX, and they're telling me that I have to pay XXXX some dollars every other week. To reduce this, otherwise they'll take me to court. Trying to say that, II was trying to take furniture without paying for it, mind you. But the furniture that I have, I got insurance with them. So the furniture is not even worth what they're trying to come after me. As and nobody ever reached out to me letter or anything, I have a Spam bocker on my phone, so pretty sure that they should have been setting me in formal. Letter in the mail. Which I had an issue already because this was supposed to be done with XXXXXXXX XXXX XXXXXXXX  and I was supposed to get an employee discount and XXXXXXXX XXXX XXXXXXXX  told me that they don't do any of that in store and then I had an order online and I had a ton of issues with getting any of this online on top of the furniture was just delivered without warning. And I had strange men in my house. Nobody told me about, and at the furniture is literally falling apart. Already so what's the point of purchasing a warranty? And everything from XXXX XXXX XXXXXXXX, if nobody 's honoring any of warranties from XXXX XXXX. They are trying to make me pay more than what its worth and this including warranties not honored by the complain XXXX XXXX. And was full filled by another company and I reached out and complained never received help. This was screwed up twice by them.and store false advertising it was cheaper in store than online and was told in store that I must order online because they didn't offer leasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
XXXX XXXX, XXXX, 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 Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I have two auto debts on my credit report that are not my accounts. After doing my research on how to tackle the issue. I was guided to make a police report and submit it to the credit bureaus. I sent the credit bureaus a copy of the report along with identification that verifies my identity. From my understand, this error should have been resolved between 30 to 45 days. It has been over 60 days and the 2 auto loans are still showing on my report. I am hoping that you can help me resolve and remove these errors off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX i sent XXXX $ to my wife in XXXX from California as spouse support. 
On XX/XX/XXXX I sent XXXX $ to my wife in XXXX from California as spouse support. 
XXXX mentioned in contracts should be XXXX XXXX XXXX  ( XXXX ). 

But, on XX/XX/XXXX XXXX XXXX not existed anymore. I don't know where my wife should pickup money ... i trusted company, but company made false contracts and violated California XXXX XXXX XXXX XXXX XXXX XXXX as unfair business practices and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reportsEQUIRED UNDER 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have reviewed the document Portfolio Recovery Associates ( PRA ) submitted in response to my CFPB complaint. The document appears to be an internally generated account summary or statement created by PRA not an original billing statement, contract, or record from the original creditor ( XXXX XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA 809 ), this does not constitute legal validation of the debt. There is : No signed agreement or application bearing my signature No itemized history of charges and payments No proof of legal assignment from the original creditor to PRA I am again requesting that PRA provide : 1. The original signed contract or application from XXXX XXXX  XXXX. A complete account history with all charges, interest, fees, and payments 3. Documentation of the chain of title/ownership proving PRA legally owns this debt If PRA can not provide this information, I demand : All collection efforts cease immediately All reporting of this alleged debt be permanently removed from my credit reports Failure to meet these requirements may result in further complaints with the FTC, my State Attorney General, and potential legal action for violations of the FDCPA and FCRA.

I would also like to point out that the name listed throughout PRAs response is XXXX XXXX. That is not my legal name, and I do not recognize that name. This suggests that the accounts in question may be associated with a different individual, and PRA has misattributed this debt to me. This further supports my position that the accounts are not mine and should be removed.

Attempting to collect a debt from someone using incorrect or mismatched identifying information is a violation of the Fair Debt Collection Practices Act and a failure to maintain accurate reporting under the Fair Credit Reporting Act and this debt needs to be removed immediately from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
Cash App failed to protect my account and did not properly investigate unauthorized transactions. Despite its legal obligations under the Electronic Fund Transfer Act ( EFTA ), Cash App misled me by directing me to my bank to resolve the dispute, even though the responsibility for handling such disputes rests with them.

Furthermore, the company provided inadequate customer support throughout the process. I was met with automated responses and no meaningful assistance, leaving me without a way to resolve my issue effectively. Cash App also failed to implement sufficient security measures to prevent fraud on my account, which directly contributed to the unauthorized activity.

As a result of these failures, I experienced financial loss and emotional distress, with no accountability or resolution from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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