vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Coradius International LLC
State: MN

Complaint narrative:
Complainant : XXXX XXXX XXXX Debt Collection Agency : American Coradius International LLC ( ACI ) Alleged Debt : Auto Loan tied to XXXX  XXXX ( Acct # XXXX ) Summary of Complaint : I sent a timely written validation of debt ( VOD ) request to ACI on XX/XX/year>. I received no reply until XX/XX/XXXX, XXXXwell beyond the legally required 30-day window. The response included only a copy of a car loan agreement from XXXX XXXX and failed to include any documentation showing ACIs legal authority to collect, assignment of the debt, or an itemized breakdown of the balance. This violates the Fair Debt Collection Practices Act ( FDCPA ), particularly 809 ( b ). 

During the XXXX period, ACI made no contact, but their untimely and insufficient response confirms they did not legally validate the debt prior to processing the file. They should have ceased collection activity completely until validation was provided, but they failed to meet that legal threshold. 

Requested Resolution : - Enforce FDCPA compliance by ACI.

- Bar them from further collection activity without proper validation.

- Require immediate withdrawal of the account if validation can not be produced.

Regulatory Action Requested : Please investigate this agencys collection practices and their failure to comply with federal debt validation requirements. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XX/XX/2025 I received three phone calls from a number identified as Chase fraud. When I answered one the person told me that she represented Chase bank and that someone was trying at that very moment to initiate a XXXX money transfer and was this person known to me. The name was not known to me. She indicated that in order to stop the transaction I needed to hit the name of a person I had on my XXXX list. I was so confused that I did it and subsequently found myself out of {$2000.00}. I called the person whose name I had hit and of course they hadn't received any monies from me. I called Chase and reported it and several days later received a email denying my fraud claim because it appeared that I initiated the transfer. Chase also sent me info on the various scams out there after I filed the claim. They also never contacted the person that the money was supposedly sent to, so how is that investigating a claim? They also should alert their customers to the various scams and fraud when the account is opened, not after the fact. I am XXXX XXXX XXXX, permanently XXXX and in need of my XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was shocked and deeply frustrated to discover an unauthorized inquiry on my credit report this morning. I regularly check for accuracy, and this was completely unexpected. I even refreshed the browser hoping it was a glitch, but the issue persisted. Im urging you to carefully review the documents I provided and resolve this issue immediately so I can have peace of mind.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
I called XXXX Funding to ask about said debt when I received the summons in a XX/XX/year> saying that I was being sued by XXXX funding and was told they have nothing and it was turned over to Legal team called XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I wanted to ask why wasnt I notified prior before receiving a summons to either dispute the debt or etc and I was not given any information besides speak with their lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
Please remove the hard inquires : I didnt not make them XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX. XXXX, XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-20 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: TN

Complaint narrative:
I recently reviewed my credit report and identified multiple inquiries from companies with whom I have no established relationship and did not authorize to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), inquiries must be made with permissible purpose and consumer consent. The following inquiries are unauthorized and should be promptly investigated and permanently removed from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX, EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX XXXXXX/XX/XXXX. 
I am requesting a full investigation into these entries. If no proof of permissible purpose or written authorization is provided, they must be deleted in compliance with FCRA 604 ( a ) ( 3 ). Thank you.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OK

Complaint narrative:
I recently received a copy of my consumer report and noticed several inaccuracies and unauthorized accounts/information on my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-20 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: OK

Complaint narrative:
I recently received a copy of my consumer report and noticed several inaccuracies and unauthorized accounts/information on my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: NC

Complaint narrative:
I am writing to provide a clarification regarding my previously submitted complaint against XXXX XXXX XXXX ( XXXX ID : XXXX ). 

While reviewing my submission, I realized that some key information may not have been clearly communicated due to my use of translation software. I would like to emphasize an important fact : At the time I signed the final loan contract on XX/XX/year>, no one at XXXX explained to me that the APR had changed from the advertised 0 %. I was under the impression that the 0 % APR offer still applied. It was only much laterwhen I visited my bankthat I discovered the APR had been set at 9.52 %.

This is a critical point in my complaint, as it highlights a lack of proper disclosure and communication at the time of signing, which I believe constitutes deceptive practice. 

Thank you for allowing me to clarify this matter. Please let me know if any further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
I disputed an account with XXXX XXXX XXXX  through TransUnion. I requested the reporting history and verification documentation. XXXX XXXX has failed to provide it multiple times, yet TransUnion continues to report the account based solely on XXXX XXXX XXXX This is not a reasonable reinvestigation as required by FCRA 611. Under 611 ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted. I am also requesting full file disclosure per FCRA 609 ( a ) ( 1 ). Both TransUnion and XXXX XXXX are in violation of the FCRA by failing to provide these records while continuing to damage my 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Why I get emails telling me I'm selected for this card and then I link the bank app up and fill everything out and then I get a hard inquiry! I didn't tell them to offer me anything. I was just going along with what the email was asking me to do.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 
Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach identity theft below. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX { Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX } Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
I am disputing the accuracy of negative credit reporting made by XXXX XXXX XXXX XXXX on my federal student loan account. The account was reported as delinquent and ultimately in default during a time when I was XXXXXXXX XXXX XXXX XXXX XXXXnd therefore unable to recertify my income-driven repayment plan or respond to communications. 

I was placed in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( see attached XXXX of XXXX ), and remained in continuous custody through XX/XX/XXXX ( see attached BOP custody screenshot and approved furlough document ). I had previously been on a $ XXXX IDR plan and was in good standing. Because of my XXXX, I received no notices and had no ability to manage my financial affairs. 

Upon release to a residential reentry center ( RRC ), I immediately resumed contact with the Department of Education and my loan servicer, and submitted a new XXXX application within days. My loan was formally placed back into a {$0.00} IDR status on XX/XX/XXXX ( see attached letter from XXXX ). 

Despite this, XXXX continues to report late payments and a default during a period when I was legally and physically unable to manage my loans. This is both inaccurate and grossly misleading. Federal guidelines acknowledge incarceration as a valid hardship, and furnishers are required under FCRA to report information fairly and accurately, including context that makes otherwise true information misleading.

Company response to consumer: Closed with explanation