vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report an incorrect name ( " XXXX XXXX XXXX '' ) on my file. My legal name is XXXX XXXX. Ive disputed this multiple times, and they refuse to remove it. 

This error is linking me to accounts that are not mine, including a charge-off from XXXX XXXXXXXX XXXX XXXX Ive used my free report for the year, but Experian requires I pay {$24.00} to even submit further disputes. 

I believe this violates my rights under FCRA 602 and 611. Please see my attached letter for details and assist in resolving this.

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: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
" The following debts ( XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a credit card at bank of america that is getting declined because of " insufficient " balance. Actually the card was over paid .I called and a person called XXXX XXXX answered the phone I told her that the computer told me I have a refund check amount of about XXXX dollars she hang up the phone. I called again and waited several minutes to the phone answered a person called XXXX answered the call he told me he is from Arizona I asked his last name and he yelled at me, he was very angry and he refused. I told him my problem and he said they will send me the check in XXXX to XXXX  days. I asked it has already been XXXX  days. He said they didn't send the check yet. I asked that my balance is reflecting XXXX and I paid full cople of days back.... no answer ... I have to interrogate him asking several questions to make him belive I overpaid my credit card. .... I asked how to solve this ... no answer.... I should ask to get another check for {$420.00} and beg he will send the money by check after XXXX  days while I am suffering with a declined credit card..... he was having very limited answer using few words and totally frustrating. The computer asked me while waiting " what would you like the power to do '' ...... I told him my concern that I don't wan na be reported to credit bearau for non payment as my card is reflecting XXXX balance..... he doesn't look concerned.... no answer. This happened on XX/XX/XXXX around XXXX XXXX pm.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 monetary relief
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
they didnt remove the middle name i dont have and accounts associated with that name

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
they didnt remove the middle name i dont have and accounts associated with that name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I setup a payment plan with a company called XXXX and completed the payment plan. They won't send documentation and they won't clear my balanced owed. There's something very unscrupulous about this company. Please listen to the recorded phone call and how they never followed through with their agreement.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I chose Chase Sapphire to pay for a cruise because of their travel protection. The week we were due to go on the cruise my mother became ill and was hospitalized ( and since passed away that same week ). I cancelled the trip with XXXX and was assured that I would be reimbursed for the trip. I submitted all of the paperwork required and when I follow up I am told they did not receive XXXX thing or another. When I upload it and I am assured by customer service they received it I get an email telling me they now need something else that has already been submitted. And this has gone on about XXXX times already, and these last few times its me following up with them. I feel like they are making me jump through hoops and I am to the point that I get a knot in my stomach everytime I need to follow up since its yet another thing that I have already sent to them. I have spoken to XXXX supervisors that have told me they received everything and will forward to the adjuster and then they find something else. I do not know where to turn with this problem. We are talking about {$11000.00} trip and since I had to unexpectantly pay for a funeral this reimbursement is very much needed.

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 information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Charge-Off XXXX XXXX  Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the Discover Card charge-off account listed on my credit report. This account contains multiple material inaccuracies that violate federal law and your obligations under the FCRA. 
Under 15 U.S. Code 1681e ( b ), you are required to ensure that all information you report is complete and accurate. Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, you must either correct it or delete it entirely from the consumers credit file.

Specifically : The account was paid in full after closure ; however, the report inaccurately reflects an unpaid or charged-off status. 
Despite payment, interest continued to accrue, which is in direct violation of the terms presented after closure. 
There is inconsistency in how this account is being reported across the three credit bureaus, a clear sign of non-uniform and inaccurate data.

I have attached supporting documentation ( bank statement ) that clearly proves payment in full was made and that further charges were applied improperly.

In light of the above, I formally demand : 1. A complete investigation into the XXXX XXXX XXXX 
2. Immediate deletion of the account from all three credit bureaus if full accuracy can not be verified.

3. A written response confirming deletion or detailed documentation proving otherwise within 3045 days.

If you fail to comply, I will move forward with litigation to pursue {$1000.00} in damages for each inaccuracy as permitted by the FCRA, due to your willful noncompliance with federal reporting standards.

Please be advised this letter serves as legal notice. I am documenting all communication and reserve the right to escalate this matter accordingly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Enclosures : Copy of valid ID Proof of address ( utility bill or lease ) Bank statement showing payment Copy of credit reports showing inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Central Holdings, LLC
State: LA

Complaint narrative:
I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Credit Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate and I am invoking my rights under federal law to verify the accuracy and legitimacy of this information.

Under Section 809 ( b ) of the FDCPA. I am entitled to request validation of any debt a collector attempts to collect including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA Section 611 ( a ) credit reporting agencies are obligated to verify and substantiate information they report ensuring it is accurate, complete, and fair.

Please provide the following such as Verification of the debt, including the name of the original creditor, amount owed, and any associated contract or agreement proving my obligation to pay.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show I agreed to pay the creditor for this debt.

Evidence that you have investigated this account as mandated by FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per section 611 ( a ) of the FCRA. Please send written confirmation that this account has been deleted.

Thank you for addressing this matter promptly. I expect a response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
I lost my job in late XXXX and completed a Mortgage Assistance application with Carrington. I decided to use savings to make the May payment but there is no longer a " Make Payment '' button in my portal. I then tried to submit a " Promise to Pay ''. I selected the 30 day option by phone. I called in to make my payment and got an error message. I then selected the " Promise to Pay '' button again and it suddenly says I've already " broken '' a promise. I just did this " Promise to Pay '' today, XX/XX/XXXX and asked for 30 days to make the payment. How could I have " broken '' a promise. That being said I will be overnighting Carrington the XX/XX/XXXX payment to the address on their website and I want it applied correctly and any overage should go to principle per my request in the letter attached to the check. I no longer want to be in the Mortgage Assistance Program because Carrington is unreliable. Since Carrington will receive this payment on XX/XX/XXXX there should be no adverse affect to my credit. Carrington is simply horrible.

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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
XXXX mortgage company sold my loan / company and marked it deliquent due to a dollar differnce related to home insurance cost that was built into loan around {$300.00} dollars i also had it on autopay so the continue to receive money after the sold the laon. The new company Shellpoint then subsequently sold our loan to XXXX mortgage. I worked with XXXX to correct the issue and there is no delinquency according to them. Sellpoint has no delinquency either. XXXX no longer exists and can not remove the delinquency. This all happened over 3 months and now my credit is taking a hit.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: MS

Complaint narrative:
I am filing this complaint against Rent Recovery Solutions ( RRS ) for reporting a {$5900.00} collection account that I have formally disputed on multiple occasions due to identity theft. Despite submitting a 605B identity theft affidavit and supporting documentation to XXXX  ( including a police report and sworn statement ), the item remains on my credit report, verified without any legally sufficient method of verification. 

The account was opened on XX/XX/XXXX, and reported as a collection item. As of XX/XX/XXXX, RRS claims a balance of {$5900.00}, yet has failed to provide : A signed lease or contractual agreement proving liability A billing breakdown or itemized charges Proof they are legally licensed or authorized to collect debt in my state Any original creditor documentation linking me to the debt I directly contacted Experian and submitted full identity theft evidence. Under FCRA 605B, Experian was required to block the item within XXXX business days. Instead, they failed to comply and sent an automated denial email, falsely claiming material misrepresentation without conducting a formal investigation or providing proof. This was a willful violation of FCRA 605B, 1681n, and 1681i. 

RRSs ongoing furnishing of this disputed debt without verifying its validity or responding to any MOV ( Method of Verification ) requests constitutes reckless and negligent behavior. Theyve provided no substantive validation under the Fair Debt Collection Practices Act ( FDCPA ), and no proof this account is mine. Continued reporting without evidence or resolution is a form of defamation and consumer harm.

This reporting has caused severe credit damage, denial of financing, and emotional distress. RRS should be investigated for : Failure to validate debt under 15 U.S. Code 1692g Possible unauthorized collection practices without licensing Furnishing inaccurate and unverifiable data to XXXX  I demand the immediate deletion of this item from all credit bureaus and a full investigation into Rent Recovery Solutions documentation

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: 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:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>2025, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXXXXXX

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: 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: GA

Complaint narrative:
I XXXX XXXX REQUESTING TRANSUNION PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO BEING A VICTIM OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I DO NOT HAVE A XXXX. ) XXXXXXXX XXXX XXXX  ACCOUNT XXXX AND ANY INQUIRES ON MY REPORT I HAVE NOT USED MY CREDIT IN THE LAST 3 YEARS .DELETE OFF MY CREDIT REPORT THIS IS A VIOLATION OF MY RIGHTS UNDER 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 2025-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
Dear CFPB, I am writing to formally express my concern regarding discriminatory leasing practices and unfair lease terms that I have encountered while leasing a XXXX XXXX XXXX from XXXX XXXX through the XXXX XXXX XXXX dealership on XX/XX/XXXX. I believe that the terms of my lease agreementwhich include a monthly payment of {$530.00}, a XXXX limit for three years, and a buyout price of {$14000.00} for a vehicle priced at {$22000.00} reflect inequitable treatment based on my being a minority, rather than standard market conditions. 

Despite my efforts to negotiate fair terms, I have reason to believe that I was subjected to different conditions than those offered to other customers, which raises serious concerns about potential violations of fair lending and consumer protection laws. The lease terms I received appear to be disproportionately higher than industry standards, creating an undue financial burden on me compared to similarly situated individuals. 

I have attempted to resolve this matter directly with GM Financial and the XXXX XXXX XXXX dealership, but my concerns have been dismissed or inadequately addressed. The Missouri Attorney General reached out to them on my behalf but the company denied any wrongdoing and will not renegotiate the lease terms. Given the circumstances, I request your assistance in investigating these discriminatory practices and help in providing a fair resolution, including a reassessment of the lease terms in accordance with industry standards and consumer protection regulations. 

I am prepared to provide documentation supporting my claims. Attached are my lease terms, buyout terms, credit score and the pricing offers from XXXX website. I appreciate your attention to this matter and look forward to any guidance you can provide. 

Sincerely, XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion and Equifax is violating FCRA 611 ( a ) ( 5 ) ( B ) by re-inserting fraudulent accounts tied to addresses Ive never lived at without notice. No method of verification under 611 ( a ) ( 7 ), violating FDCPA 809 and my 14th Amendment rights. I submitted FTC Report # XXXX. I'm emotionally exhausted and demand accountability.

Despite my submission of FTC Identity Theft Report # XXXX, TransUnion has ignored its legal duty under : FCRA 611 ( a ) ( 5 ) ( B ) Reinserted disputed accounts without notifying me within 5 business days.

FCRA 611 ( a ) ( 7 ) Refused to provide a proper method of verification when requested.

FCRA 602 ( a ) Failed to protect the accuracy and integrity of consumer credit information.

FDCPA 809 Furnished unverifiable debts without proper validation.

14th Amendment I have been denied due process and subjected to economic harm without fair procedures.

I have endured emotional distress, anxiety, and reputational damage due to TransUnions continued negligence and failure to correct known fraudulent data. This is willful noncompliance under FCRA 616 and 617, and I am preparing to pursue litigation for damages.

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: OH

Complaint narrative:
Transunion and Equifax is violating FCRA 611 ( a ) ( 5 ) ( B ) by re-inserting fraudulent accounts tied to addresses Ive never lived at without notice. No method of verification under 611 ( a ) ( 7 ), violating FDCPA 809 and my 14th Amendment rights. I submitted FTC Report # XXXX. I'm emotionally exhausted and demand accountability.

Despite my submission of FTC Identity Theft Report # XXXX, TransUnion has ignored its legal duty under : FCRA 611 ( a ) ( 5 ) ( B ) Reinserted disputed accounts without notifying me within 5 business days.

FCRA 611 ( a ) ( 7 ) Refused to provide a proper method of verification when requested.

FCRA 602 ( a ) Failed to protect the accuracy and integrity of consumer credit information.

FDCPA 809 Furnished unverifiable debts without proper validation.

14th Amendment I have been denied due process and subjected to economic harm without fair procedures.

I have endured emotional distress, anxiety, and reputational damage due to TransUnions continued negligence and failure to correct known fraudulent data. This is willful noncompliance under FCRA 616 and 617, and I am preparing to pursue litigation for damages.

Company response to consumer: Closed with explanation