vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: FL

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 The accounts below have violated my nights.

15 U.S.C 1681 section 602A. States I have the night to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportng agency can not furish a acount without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repon dontaining 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consulner reporting agency if the person knows or has reasonable cause to beleve that the information is inaccurate. 

Delete the accounts below : 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 2025-05-11 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: TX

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I called Capital One to have XXXX late fees, XXXX in XXXX and XXXX in XXXX removed. I indicated that I was prepared to payoff my account but that I wanted these fees removed first. I stated that the indicators that I was going to receive a late fee came too late to address the issue. Im other words, by the time I received information stating that I was going to incur a late fee, it was already too late to address the issue. The first representative I spoke to submitted a request to have the latest late fee removed but she stated that she couldnt have the one in XXXX removed. I asked to speak to someone who could help. She connected me with a supervisor who told me she could not wave the second fee. I asked whom else I could speak to because I have autopay so I didnt know why I was receiving a late fee anyway. I said I guess maybe its because my balance is higher. She agreed and said she could adjust the late fee reminder to be sent XXXX days prior. I said that no one communicated this to me previously and that the company did nothing to prevent me from accruing late fees. I restated that Id like to pay off my card except for the second late fee in XXXX. I asked for a customer retention department or a phone number or email I could call to complain. I was not offered any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account XXXX XXXX XXXX  in the amount of XXXX as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Americas Car-Mart, Inc.
State: LA

Complaint narrative:
I was a cosigner on a purchase of a vehicle, the company first changed the payment amount for the vehicle, have stolen the first payment for the vehicle at the increased payment of almost {$200.00} then refused any outside refinance of payments and internal refinancing options. The vehicle was returned and now the company is trying to ruin both my credit and your other person 's credit. Every attempt to resolve the issues of the payment increase and lowering the payments were refused and wanted the default of the contract. America 's Car Mart. Is not a good company and uses your downfalls to profit and take advantage of people trying to begin with there credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
ACIMA DIGITAL FKA SIMP Account number : XXXX I am filing a formal complaint regarding ACIMA DIGITAL FKA SIMP reporting a derogatory account on my credit report. They are not the original creditor and were never authorized by me to report on my credit file. 

The original creditor is not reporting this debt, and I have not entered into any contractual relationship or agreement permitting ACIMA DIGITAL FKA SIMP to report, access, or furnish data to consumer reporting agencies under the Fair Credit Reporting Act ( FCRA 1681b ).

Additionally, the account has been paid in full, and continued reporting of a charge-off or collection status is both inaccurate and misleading, violating FCRA 1681s-2 ( b ) and CFPB UDAAP guidance. 

I am requesting the immediate deletion of this account from all credit reporting agencies and a cease-and-desist from further reporting, or I will escalate the matter with the FTC and Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-11 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: GA

Complaint narrative:
I am formally requesting the following accounts as listed in my credit report, pursuant so Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). These fraudulent inquiries are affecting my ability to obtain credit. I need them cease and desist/removed immediately. 

XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXXXXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX EMPLOYER XXXX EMPLOYER XXXX XXXXXXXX NAME XXXX XXXX NAME XXXX XXXX XXXX NAME XXXX XXXX XXXX NAME 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 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
In XX/XX/2025 XXXX XXXX XXXX XXXX XXXX continued calling when I told them to stop, up to XXXX a day and continued to harass me until I called the creditor to request it stop. I didn't owe on the debt they were trying to collect on. 
XX/XX/2025 XXXX XXXX XXXX XXXX again this time did not call me on another debit I did not owe for {$110.00} and reported a judgement to the credit bureaus. No judgement exists.

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 2025-05-11 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: OH

Complaint narrative:
XX/XX/XXXX None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$280.00} XXXX  Date Opened XX/XX/XXXX Balance {$950.00} * * inquiries * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-11 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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Bureau has updated per their website it was updated XX/XX/XXXX item shall remain on report. 
XXXX XXXX was provided that from XX/XX/XXXX to Present no payment has been missed.

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 2025-05-11 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just got a notice on XX/XX/year> that the error XXXX XXXX  had corrected upon prior dispute reappeared on my credit file after waitin 30 days to have this fixed. XXXX XXXX  agreed to correct and now has recently reinserted the error. Please advise them to stop loading and incorrect info on my Credit file in violation of the fcra.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just got a notice on XX/XX/year> that the error XXXX XXXX  had corrected upon prior dispute reappeared on my credit file after waitin 30 days to have this fixed. XXXX XXXX  agreed to correct and now has recently reinserted the error. Please advise them to stop loading and incorrect info on my Credit file in violation of the fcra.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just got a notice on XX/XX/year> that the error XXXX XXXX  had corrected upon prior dispute reappeared on my credit file after waitin 30 days to have this fixed. XXXX XXXX  agreed to correct and now has recently reinserted the error. Please advise them to stop loading and incorrect info on my Credit file in violation of the fcra.

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 2025-05-11 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: FL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Bureau has updated per their website it was updated XX/XX/XXXX item shall remain on report. 
XXXX XXXX was provided that from XX/XX/XXXX to Present no payment has been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Account XXXX ref # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account, If you believe you sent proper notification, please provide " Certified Mail with receipts displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MOHELA
State: CT

Complaint narrative:
I see this account listed on my credit report. 
Report number XXXX Can you do an investigation in validated? I dont want this to take XXXX days or more to remove it. In accordance with the fair credit reporting act this creditor violated my rights under sections 15 USC 1681 section 602. I have the right to privacy. 
15 USC 1681 section 604 section 2 a consumer reporting agency can not furnace an account without my written instructions.

15 USC section 1666B a creditor may not treat a payment on a credit card account under an open end credit consumer credit card account as late for any purpose or reason.

15 USC 1635 15 USC 1602p

Company response to consumer: Untimely response
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/year> Goldman Sachs XXXX. XXXX XXXX XXXX, XXXX  XXXX Account Number XXXX To Whom It May Concern : I am writing regarding the above-referenced account that you have reported to the credit reporting agencies. Upon review of my credit report, I have discovered that you are inaccurately updating this account on a monthly basis and have placed remarks on my credit report that are inconsistent with your other actions regarding this debt. 

It has come to my attention that this account has been deemed a profit loss and has been reported as such to the Internal Revenue Service ( IRS ). However, you continue to report this account as [ current status they're reporting ] to the credit bureaus. 

This dual reporting practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681s-2, which requires furnishers of information to credit reporting agencies to provide accurate information and to correct inaccurate information. 

2. 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Under the law, if you have reported this debt as a loss to the IRS for tax purposes, you can not simultaneously continue to report it as a collectible debt to the credit bureaus. This inconsistent reporting misrepresents the true status of the account and damages my credit profile. 

I hereby demand that you : 1. Cease reporting this account to the credit bureaus immediately 2. Remove all previously reported information regarding this account from my credit reports XXXX. Provide written confirmation within XXXX  days that these actions have been completed Please be advised that failure to comply with this request may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under the FCRA. 

I expect your prompt attention to this matter and look forward to your written response confirming that the requested corrections have been made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns. 

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for [ creditor_name ] to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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