vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I was contacted by a company regarding a vehicle loan for which they claimed I was a co-signer. I discussed the matter immediately over the phone with their representative and made it clear that I disputed the claim. I requested documentation to prove that I had agreed to co-sign the loan, but to this day, the company has failed to provide any such proof. 

My only involvement was applying for a credit card through XXXX, which I used to help my friendwho is the actual borrowermake the down payment for the vehicle. I never signed or agreed to be a co-signer on the loan. Despite that, the company has listed me as co-signer and is now holding me responsible for the remaining balance. 

They also used my friends address as mine, which further shows that I was not the primary party in the transaction. During the call, I explained the situation clearly and told them that I had received a letter from the GAP insurance provider, which showed that the outstanding balance on the loan was covered. I sent that letter to the company as well to support my position. 

Shortly after this phone callwhere I refused to negotiate a paymentthey began reporting the account to XXXX  on a monthly basis. Before then, it had only been reported once. I believe this sudden increase in reporting was retaliatory in nature. 

This is not my debt, and I believe the account is being reported unfairly and inaccurately. It is currently the only negative item on my credit report and is severely affecting my credit score. I respectfully request that this account be removed from my credit file and that the company immediately cease any collection attempts against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
I requested the credit bureaus and data furnishers to : Validate and investigate the accuracy of negative accounts reported, including XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and others. 
Provide documentation proving the legitimacy of these accounts, such as original signed contracts, payment history, and proof they have the right to collect. 
Remove or correct any unverifiable, inaccurate, or outdated negative accounts, especially those impacted by my status as a victim of the Equifax and Experian data breaches. 
Remove outdated personal information, including old addresses and employers no longer accurate. 
Provide written confirmation of investigation results and corrections made. 
In early 2025, I submitted dispute letters to Equifax and Experian requesting validation and removal of these accounts. Despite my efforts, many of these accounts remain on my credit reports. Some accounts were marked 'resolved by data furnisher ' without providing the requested documentation or removing the negative entries. As a confirmed victim of both the Equifax and Experian data breaches, I am particularly concerned that some of this information may be the result of compromised data. 

I requested that all unverifiable, inaccurate, or outdated accounts be deleted and that I receive written confirmation of the results. As of now, I have not received a satisfactory resolution or confirmation, which is why I am filing this complaint.

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 2025-05-25 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: GA

Complaint narrative:
I requested the credit bureaus and data furnishers to : Validate and investigate the accuracy of negative accounts reported, including XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and others. 
Provide documentation proving the legitimacy of these accounts, such as original signed contracts, payment history, and proof they have the right to collect. 
Remove or correct any unverifiable, inaccurate, or outdated negative accounts, especially those impacted by my status as a victim of the Equifax and Experian data breaches. 
Remove outdated personal information, including old addresses and employers no longer accurate. 
Provide written confirmation of investigation results and corrections made. 
In early 2025, I submitted dispute letters to Equifax and Experian requesting validation and removal of these accounts. Despite my efforts, many of these accounts remain on my credit reports. Some accounts were marked 'resolved by data furnisher ' without providing the requested documentation or removing the negative entries. As a confirmed victim of both the Equifax and Experian data breaches, I am particularly concerned that some of this information may be the result of compromised data. 

I requested that all unverifiable, inaccurate, or outdated accounts be deleted and that I receive written confirmation of the results. As of now, I have not received a satisfactory resolution or confirmation, which is why I am filing this complaint.

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 2025-05-25 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX XXXX across these negative accounts reporting on my credit report in XX/XX/202XXXX I asked that you immediately remove it from my credit file as soon as possible as I am a victim of identity theft and did not give any authorization whatsoever please remove them from my file immediately!

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am victim of identity theft and recently checked my credit report to discover invalid personal information along with a fraudulent Collection account from MIDLAND CREDIT MANAGEMENT opened around XX/XX/year>XXXX  in the amount of {$18000.00}. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC report. It has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. They have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I have accounts at Charles Schwab under my social security number and name I have been denied access too and didnt grant agents or representatives poa

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
They convinced me to get another loan because I was behind on other bills and the combination of everything I could not pay the loan MARINER FINANCE XXXX negative months {$3700.00} Closed Account info Account name MARINER FINANCE Account number XXXX Original creditor - Company sold - Account type Secured Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$2600.00} written off. {$3700.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$3700.00} Balance updated XXXX XXXX, XXXX Original balance {$3400.00} Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$3700.00} Terms XXXX  Months Responsibility Individual Your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
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 2025-05-26 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

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 2025-05-25 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: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I checked my XXXX XXXX XXXX  and seen several unknown sources, accounts and information on report. also that my reports to did have the same information all were different.

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 2025-05-25 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:
TRANSUNION AND EQUIFAX are willingly violating my consumer rights by continuously reporting fraudulent information onto my consumer report. I have initiated disputes and launched fraud investigations with these credit agencies pertaining to this account and they dont seem to care. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: KS

Complaint narrative:
I found an inaccurate negative items on my credit reports.I contacted the furnisher, TRANSUNION equifax Experian received no verifiable response, and am requestinga full investigation under the fair credit Reporting Act ( FCRA ). Please remove these unverifiable items. 
Clean.Legal.Powerful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: KS

Complaint narrative:
I found an inaccurate negative items on my credit reports.I contacted the furnisher, TRANSUNION equifax Experian received no verifiable response, and am requestinga full investigation under the fair credit Reporting Act ( FCRA ). Please remove these unverifiable items. 
Clean.Legal.Powerful.

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resource process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
b'Good afternoon,\n    I had a series of CD\'S in Seacoast Bank XXXX Florida). Since I planned to wire money for the purchase of a condo in XXXX (lower cost living, I am a XXXX) I transferred $XXXX from my C.D. into Seacoast\'s money market. I asked if I would get interest--3.8%. (Several on-line entities: XXXX XXXX XXXXXXXX, and others were paying 3.7-4.2%). I made the transfer on XXXX XXXX XXXX\n\nMy bank statement arrived on XXXX XXXX XXXX. Since Monday was a holiday, I went to the bank on Tuesday (XXXX XXXX to complain that there was NO interest. The bank manager, XXXX XXXX said he would take care of it.\n\nI pre-paid the moving company to take my furniture on XXXX XXXX. It was a very hectic week. I went to Seacoast Bank on XXXX XXXX to wire XXXX to the escrow company. There still was no interest added to my account, so I decided to close the account. But once again, manageXXXX XXXX XXXX ASSURED me that I would get the interest "at the end of the month." That meant XXXX XXXX  at which time I would be in XXXX\n\nThe bank delayed setting up the link for on-line banking. That meant once in XXXX my remaining funds were inaccessible. The manager (XXXX XXXX) did call to make sure I made it safely. He told me to email him. I emailed him in early XXXX  to find out how much interest since it was never stipulated if it would accrue from XXXX XXXX or the day I complainedXXXX XXXX XXXX XXXX.\n\nI never got an email response. I had no choice but to fly back to Florida to access my funds and close the account. The flight was XXXX rental car, XXXX, hotels (4 nights) over XXXX  so I took on those costs due to this bank\'s errors! \n\nI entered the bank on XXXX XXXX XXXX-and imagine my outrage to find that NO interest had ever been added to my account. They owe me! Had they been honest in stating there would be .05% interest, I could have put my XXXX into an on-line bank.\n\nThey owe me a minimum of XXXX (if the start date was XXXX XXXX) or, if it reverts to the day I deposited those funds into the money marker XXXX XXXX, closer to XXXX XXXX  and that is NOT counting the trip costs required to deal with this bank.\n\nI was told yet again that they would grant me interest. I gave them one day. Nothing. So I closed the account; but I do NOT think they have the right to not pay interest when they used my funds for their own loan products for 51 days. If I owed XXXX on my XXXX XXXX XXXX the interest for nearly two months would be several thousand.\n\nCan you get them to do the right thing as promised to me? I have nothing in writing since I took the manager at his word. But there were several witnesses.\n\nThank you,\nXXXX XXXX XXXX XXXX XXXX XXXX Mail does NOT reach me in XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CL Holdings LLC
State: MS

Complaint narrative:
I am copying and pasting from my credit report Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$790.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$700.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am submitting a formal complaint regarding inaccurate account ( XXXX ) on my credit report, as reflected on my credit reports from XXXX XXXX XXXX XXXX. The account shows a full balance owed, but Huntington Bank repossessed the property, which is not reported. This omission results in inaccurate and misleading credit information, violating the Fair Credit Reporting Act ( FCRA ). 
Despite my dispute with the credit bureaus, the information remains uncorrected. I request the CFPBs assistance in ensuring that this inaccurate information is corrected or removed promptly. As it is against the law to report inaccurate information on a consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: DISCOVER BANK
State: MS

Complaint narrative:
I am copying and pasting this info from my credit report. It was opened without my knowledge DISCOVERC 33potentially negative months {$2200.00} Closed Account info Account name DISCOVERC Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXXXXXX  Open/closed Closed Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX  Balance {$2200.00} Balance updated XX/XX/XXXXXXXX  Credit limit {$2000.00} Monthly payment - Last Payment Date XX/XX/XXXXXXXX  Past due amount {$2200.00} Highest balance {$2400.00} Terms - Responsibility Individual Your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My credit score was unlawfully reported to be balance credit of XXXX $ dollars available balance. 
Payments have been made on time I believe this was a mistake and reporting it under credit wise has affected my credit score to XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: CO

Complaint narrative:
Got kicked out by manager and moved immediately as requested by property manager. Due to her harassing me about a dog I paid to have there. Never got move in deposite back and was left in condition I got received it. 
RENTDEBT AUTOMATED COLLECTIONS

Company response to consumer: Closed with explanation