vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-04-21 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: TX

Complaint narrative:
Equifax hasn't updated my XXXX XXXX XXXX XXXX card XXXX since XX/XX/year>. I have contacted them several times and opened XXXX disputes. Both XXXX and XXXX  have updated my card every month but for some reason Equifax refuses to keep their records updated. I am trying to get an auto loan and Equifax is showing my credit card over the limit when its not. I have attached the current account information from all 3 bureaus. Have also uploaded my latest statement from credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-21 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: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing to formally dispute the reporting and status of the above-referenced account. According to my credit report, XXXX XXXX has charged off this account and claimed it as a profit and loss. If this is the case, under IRS regulations, I should have received a Form 1099-C ( Cancellation of Debt ). To date, I have not received this form, which raises concerns about the legitimacy and accuracy of the reporting. 
Additionally, since this account has been charged off, the balance should be reported as {$0.00}, reflecting that the debt is no longer collectible by the original creditor. Despite this, XXXX XXXX continues to report the full balance multiple times across my credit file, which constitutes duplicate reporting and is misleading and damaging to my credit profile. 
This violates the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), furnishers of information to consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Under 15 U.S.C. 1681s-2 ( a ), creditors are prohibited from furnishing information that they know or have reasonable cause to believe is inaccurate.

Additionally, per 15 U.S.C. 1681s-2 ( b ), upon notice of a dispute, a furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify consumer reporting agencies of any corrections.

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 2025-04-21 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: TX

Complaint narrative:
I am writing to formally dispute the reporting and status of the above-referenced account. According to my credit report, XXXX XXXX has charged off this account and claimed it as a profit and loss. If this is the case, under IRS regulations, I should have received a Form 1099-C ( Cancellation of Debt ). To date, I have not received this form, which raises concerns about the legitimacy and accuracy of the reporting. 
Additionally, since this account has been charged off, the balance should be reported as {$0.00}, reflecting that the debt is no longer collectible by the original creditor. Despite this, XXXX XXXX continues to report the full balance multiple times across my credit file, which constitutes duplicate reporting and is misleading and damaging to my credit profile. 
This violates the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), furnishers of information to consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Under 15 U.S.C. 1681s-2 ( a ), creditors are prohibited from furnishing information that they know or have reasonable cause to believe is inaccurate.

Additionally, per 15 U.S.C. 1681s-2 ( b ), upon notice of a dispute, a furnisher must conduct a reasonable investigation, correct any inaccurate information, and notify consumer reporting agencies of any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Have been contacted by phone numerous times, even before & after XXXX & XXXX, by email, text, even after asking them to stop and was rudely spoken to by a person who worked for the company and threatened me with law enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because Experian continues to report a collection account from XXXX XXXX XXXX XXXX XXXX Account No. XXXX despite clear violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and UDAAP provisions. I previously submitted a formal dispute to Experian. However, the account was marked as verified without providing any legally valid supporting documentation. Experian relied on an automated system ( presumably XXXX ) without conducting a meaningful or manual reinvestigation, violating 15 U.S.C. 1681i ( a ). I was not provided with the method of verification nor access to documentation under 1681i ( a ) ( 7 ). Additionally, the collection agency XXXX XXXX XXXX responded to the dispute in writing and admitted the following : They are a third-party collector only. They did not originate the charges. They do not have a signed contract. They can not provide the address of the original creditor. The contract is private and not available to the consumer. No payments or adjustments have been made on the account since 2021. This is a direct admission that the account can not be legally verified or validated. Despite this, the item continues to be reported by Experian. This violates : FCRA 1681e ( b ), 1681i, 1681s-2 ( b ), 1681c ( a ), 1681b FDCPA 809 ( b ) / 15 U.S.C. 1692g ( b ) UDAAP standards against deceptive and abusive practices. Experians actions have resulted in damage to my creditworthiness and access to financial opportunities.

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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Received numerous harassing calls at all hours, emails, texts, was threatened to be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has been holding around {$10000.00} of my personal funds for multiple weeks without providing any written explanation or resolution timeline. The funds came from my sisters XXXX account with her permission, and were transferred to my Chase account. The only reason Chase has cited is a third-party mismatch, even though Ive explained XXXX was a transfer from my sister. Ive complied with all ID and verification processes, and yet XXXX being denied access to my own money. This is taking a huge toll on me, as {$10000.00} is not a small amount of money. XXXX requesting immediate release of my funds or a clear timeline and written policy reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I am filing this complaint because Kenosian & Miele LLP intentionally submitted false information to the CFPB in response to a previous complaint, CFPB Complaint ID # XXXX. 

In their official response, they falsely stated : The parties have reached a tentative settlement and are awaiting final signatures. 

That is completely untrue. I was never offered a settlement tentative or otherwise. No agreement was presented, no communication was made regarding settlement terms, and there was nothing for me to review or sign. 

I have made multiple efforts to resolve this judgment, including offering to settle in exchange for deletion. They never provided a real offer, only mailed vague form letters with no path to resolution. 

By submitting knowingly false information, this law firm misled a federal agency and caused my original complaint to be prematurely closed. 

I am requesting the CFPB : Hold Kenosian & Miele accountable for submitting deceptive information Require them to correct the record And compel them to provide a legitimate opportunity to settle the judgment, including deletion upon resolution This firm has consistently avoided transparency and accountability. XXXX not asking for favors XXXX demanding truth, fair negotiation, and for the CFPB to step in where necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX, is using a lawyer to collect a debt from 22 years ago.

I have received no letters or emails describing this, and was basically told too bad and will have my wages attached, and property seized even though the car was repossessed in XXXX  and I never heard anything at all after the fact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXX XX/XX/year> TRANSUNION XXXXXXXX XXXX XXXXXX/XX/year> TRANSUNION

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
my lease turn in was dropped at the dealership ( XXXX XXXX ). I then leased another vehicle the same day I turned in my XXXX XXXX. 30 days later I receive a notice for charges for a XXXX XXXX rest and XXXX bald tires. I did not have XXXX bald tires or any damage inside my vehicle at all. Genesis finance reported me late for not making the payment of the false charges. GF sent me a check in the mail for refund of XXXX with no explanation other than it said Lease refund. please remove the late charge from my report. 
am submitting this email as a formal dispute regarding an inaccurate entry on my account with XXXX XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and applicable regulations. 

Account Details : XXXX XXXX XXXX Account Number : Type of Account : lease XXXX Disputed Item or Amount : [ 30 day late charge XX/XX/XXXX ] Basis for Dispute : There were false charges attached to my lease turn in. GF also reimbursed me with a check and provided no explanation. i was never given a lease tutn in report 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) ( furnisher investigation duty ), 15 U.S. Code 1666b ( timely posting and billing error resolution ), 12 CFR 1026.13 ( Regulation Z : billing error procedures ), You are required to conduct a reasonable investigation, provide documentation validating the item, and notify any credit reporting agencies if the item is found to be incorrect or unverifiable. 

My Requests : Investigate the disputed charge or entry promptly. 


Remove or correct the item as appropriate. 


Provide written verification or evidence supporting the legitimacy of the item. 


Notify all consumer reporting agencies to whom this item was furnished if changes are made.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a notification from XXXX  stating my credit score was being reduced by over XXXX points ( from XXXX to XXXX ) due to information obtained from Credit Collections Services XXXX XXXX XXXX Collection Agency based in XXXX, MA. According to CCS, I have an outstanding XXXX XXXX XXXXdebt of {$730.00}. I have never done business with XXXX and have no idea what this is about. So, I filed a dispute with Experian in XXXX. I was notified last week that the dispute is closed and the outstanding debt remains. I contacted CCS last week and submitted a request for them to look into this ( Request ID : XXXX ). 
Meanwhile, the perfect credit score of XXXX I have worked hard for has taken a severe beating and neither XXXX  or CCS Collection Services seem to be concerned. I welcome any help you can provide. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: AZ

Complaint narrative:
I did not apply for any types of loans or cars. This is fraudulent and was not done by 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 2025-04-21 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The bank blocked me on three separate occasions from transferring money from my savings to my checking account. As a result, my checking account was overdrawn three times within the past month. Due to these overdrafts, I was unable to use XXXX when I needed it. 

When I reached out to XXXX, they informed me that the issue was on the banks end. However, when I contacted the bank and asked them to communicate with XXXX on my behalf, they said they couldn't help and that I would have to wait 30 days for the issue to resolve. 

This delay is unacceptable, as I rely on XXXX for daily transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I have requested for the repossession report of a vehicle to be removed from my report. I turned the vehicle in to the creditor due to there being a major recall issued by XXXX on the vehicle that XXXX at the moment and for the 4 months prior to having to return the vehicle had no specified date moving forward with repairs on the recall. My vehicle was rendered inoperable due to the recall. I attempted to work with XXXX as well the financing company which is XXXX XXXX of the vehicle which I am also registering a complaint against. I was informed due to the nature of the situation that the details were well documented and it would not affect my credit and would not be reported negatively, even though under the circumstances I had to surrender the vehicle. As there was no options for repair on the financed vehicle. The creditor has reported it on my credit as a derogatory event. 

I have also requested the transcripts of the numerous conversations I have with XXXX XXXX for documentation of which they have denied.

Company response to consumer: Closed with explanation