vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX I called and changed my address. On XXXX I paid off my vehicle and the XXXX release letter was sent " within XXXX business days. '' I called and verified my address was incorrect on file, was unable to change online- they changed it via phone and sent a new XXXX release letter ( they did not ). I called on XXXX to verify if they changed my address. They did not. I threatened legal action, so they changed my address and sent a new lien release ( address was change online, I verified ). I sold my old car and am owed XXXX XXXX  on the trade in, on the contingency of receiving new XXXX release letter. New letter was requested on XXXX, it never arrived. I called today on XXXX and was told another letter was requested, but that they are unable to provide me proof that they sent the letter, any tracking number, or even a receipt from XXXX. The company is unwilling to prove they are sending the lien release letter and I highly suspect they are simply not sending it, as it took XXXX phone calls just to change my mailing address. This is impeding me financially and is wholly illegal and unacceptable. Ally should not receive FDIC privilege, and they are operating under the privilege of XXXX government while breaking numerous laws ( lienholder is to furnish title / XXXX release no later than XXXX business days after final payment is processed, in texas ). 

Finally, dealership confirmed via their internal system that the XXXX was not released electronically, which is an additional violation. XXXX XXXX  can not see this, however a dealership and the XXXX can. XXXX should have been released on XXXX at the latest, however dealership confirmed on XXXX XXXX was still active on old car. Luckily, the dealership has dealt with these illegal practices and I was still able to trade-in my vehicle via power-of-attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXI solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they     \n     utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in    \n     creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently    \n     under investigation by the FTC Unauthorized 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-31 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: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 2025-07-31 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: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/year>XXXX  I signed up for Netspend debit card through Netspend website. The promotion was for {$200.00} bonus for a {$400.00} deposit. When I contacted Netspend on XX/XX/year>XXXX  I was told I didnt qualify for the promo because I previously had a card. It send Netspend a copy of their term and conditions for the offer and no where in it does it state that. All the qualified requirements in the term conditions I meet. I received direct deposit payments totaling more than {$400.00}. I activated the card also. So according to their term and conditions they posted I qualify. I processed to follow up with Netspend on XX/XX/year> because on XX/XX/year> I was told leadership would reach out with a resolution. I was told by Netspend customer they dont have no knowledge of the offer Im referring to. I explain to him I email this information already and want an update on the reference number XXXX I provided him. I tried to solve this issue with Netspend but they have not responded in the time frame they stated. I would like Netspend to honor the promotion based on the term and condition requirements.

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 2025-07-31 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a medical debt originally financed through XXXX XXXX XXXX XXXX XXXX XXXX  ) in XX/XX/XXXX. I defaulted around XX/XX/XXXX due to financial hardship. I was never notified that the debt had been sold to Portfolio Recovery Associates. 

In XX/XX/XXXX, a default judgment was issued against me without my knowledge. I later checked court records and saw that I was indeed served in XX/XX/XXXX, but I was unaware of it at the time. 

I didnt find out about the judgment until XX/XX/XXXX, when my bank account was garnished for over $ XXXX though the original debt was around {$13000.00}. Under pressure, I entered a payment agreement with XXXX XXXX XXXX and began paying $ XXXX while unable to pay my rent or car note. I wasnt aware of my legal rights at the time. 

I continued making payments until XX/XX/XXXX, when I stopped after learning I might have legal grounds to challenge the case. In XX/XX/XXXX, I filed a motion on my own asking the court to reopen the case, but the judge denied it, stating that he no longer had jurisdiction. 

In XX/XX/XXXX, I called Portfolio Recovery twice to try to resolve the matter. Both times I was told that they could no longer assist me and that XXXX XXXX XXXX was now the only party handling the case. 

Since then, I have left XXXX XXXX at least 4 voicemails and received no call back. I tried to submit the forms for them to contact on their wenbsite and it showes error message. I filed a complaint with the XXXX, and on XX/XX/XXXX, XXXX responded stating a representative would reach out. They never did. 

On XX/XX/XXXX, I sent them a follow-up email clearly requesting resolution and stating I may consider bankruptcy if we cant resolve this. I also included my phone number. As of today ( XX/XX/XXXX ), I have received no call, no reply, no help. 

I believe this lack of communication while enforcement continues violates the Fair Debt Collection Practices Act. I am seeking CFPB intervention to stop this pattern and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
COMPLAINT SUMMARY INACCURATE, MISLEADING, AND UNVERIFIABLE ACCOUNTS ON MY CREDIT REPORT My name is XXXX XXXX and I am filing this complaint because there are several inaccurate and derogatory accounts currently being reported on my credit report that violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

I have already disputed some of these accounts multiple times directly with the credit bureaus, and they continue to appear without proper investigation or validation. The following accounts are in question : XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Reporting a large balance and derogatory status without proper verification. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX Incorrect late payment reporting and failure to validate. 
XXXX. XXXX  XXXX Account # : XXXXXXXX XXXX XXXX  Closed with {$0.00} balance but still marked derogatory, which is inaccurate and misleading. 
XXXX. XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Outdated account still reporting negatively with no recent activity or justification. 
XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account is closed and has a {$0.00} balance but still marked as derogatory. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX  Account is closed with {$0.00} balance, still showing as negative and impacting my credit score. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX  Very old account ( opened in 2013 ), closed, {$0.00} balance, and still reporting negatively likely outdated and unverifiable. 

These accounts contain errors, outdated data, or unverifiable derogatory information. I am requesting : A full reinvestigation of each account, Validation from the furnishers of the derogatory data, and The complete deletion of any account that can not be 100 % verified for accuracy and timeliness under the FCRA. 

Continued reporting of inaccurate or unverifiable information without adequate documentation is a willful violation of the FCRA, and I am prepared to escalate legally if needed. 

Please take this complaint seriously and resolve these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
COMPLAINT SUMMARY INACCURATE, MISLEADING, AND UNVERIFIABLE ACCOUNTS ON MY CREDIT REPORT My name is XXXX XXXX and I am filing this complaint because there are several inaccurate and derogatory accounts currently being reported on my credit report that violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i. 

I have already disputed some of these accounts multiple times directly with the credit bureaus, and they continue to appear without proper investigation or validation. The following accounts are in question : XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Reporting a large balance and derogatory status without proper verification. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX Incorrect late payment reporting and failure to validate. 
XXXX. XXXX  XXXX Account # : XXXXXXXX XXXX XXXX  Closed with {$0.00} balance but still marked derogatory, which is inaccurate and misleading. 
XXXX. XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Outdated account still reporting negatively with no recent activity or justification. 
XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account is closed and has a {$0.00} balance but still marked as derogatory. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX  Account is closed with {$0.00} balance, still showing as negative and impacting my credit score. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX  Very old account ( opened in 2013 ), closed, {$0.00} balance, and still reporting negatively likely outdated and unverifiable. 

These accounts contain errors, outdated data, or unverifiable derogatory information. I am requesting : A full reinvestigation of each account, Validation from the furnishers of the derogatory data, and The complete deletion of any account that can not be 100 % verified for accuracy and timeliness under the FCRA. 

Continued reporting of inaccurate or unverifiable information without adequate documentation is a willful violation of the FCRA, and I am prepared to escalate legally if needed. 

Please take this complaint seriously and resolve these issues promptly.

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 2025-07-31 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: AZ

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove or update the accounts related to the bankruptcy. # XXXX The accounts that must be updated or removed are : XXXXXXXX XXXX XXXX XXXX XXXX and 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 2025-07-31 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: NY

Complaint narrative:
Please remove or update the accounts related to the bankruptcy. # XXXX The accounts that must be updated or removed are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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 response to consumer: Closed with explanation