vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Opened XXXX 2023 The apartment charged me {$2800.00} for blinds and said that the walls needed to be painted but thats Normal wear and tear in the blinds was never damaged. I asked the apartment complex for Proof of purchase with the receipts of the damages I never received them then they sold my debt to a third-party agency thats been Harassing me to pay the debt or my credit will be affected. 

There are so many inaccuracy on the price change. It doesnt make any sense. Please remove this off my credit report this is fraudulent. There is no proof of damages {$1500.00} for some blinds. Thats crazy. Theyre making up randomly numbers without no pictures of proof or anything, I provided all information that you guys asked for this is a third-party. The company ran out of business and no longer in business. 

We opened up a open dispute due to the fact that they tried to charge me {$2000.00} plus for an accuracy, and I asked to resolve this matter by removing it off my report you guys failed to do that they allegedly adjusted the damages, which was no proof for damages or anything like that that they can provide because there was no damages. Why would you charge someone {$1500.00} for some blinds that was not damaged thats false there was no pictures uploaded on their behalf. I had all the proper document on my behalf. I asked nicely to get it removed fully off my report. It is fraudulent for them to add something on my report and try to charge me without proof. The company ran out of business and got bought by another company. I reached out to the company that owns it now I said they dont even know what Im talking about and that information is false. Thats why they ran out of business. Could you guys please remove this off my report, please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has seriously affected my credit score. Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. I am requesting that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name of company : XXXX XXXX XXXX of reported late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I would appreciate your prompt attention to this matter to rectify any errors in my credit report. Lastly, I have tried to call XXXX XXXX to speak to a live agent, but their robot answering system makes it impossible to get through to anybody, This makes it difficult to ask questions, give and request documentation of my loan information.

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 2025-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've sent multiple letters and proof of my addresses and driver license and proof of verification of my identity and they took it off and put it back on I did not purchase that and they have to show proof because I did not even live in the that state I was paying my own bills but I've sent multiple letters and they take one inquiry off and put one back on and take one off I'm tired of it...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I've observed a collection entry from your agency that I was never previously informed about, and I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt, and I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a XXXX point in my cart, that is {$290.00} value. 
XX/XX/year> this points be redeemed whit out my permission. 
I'm report these fraudulent charges to Chase by XX/XX/XXXX. 
After several weeks the tall me don't gone refund, and process this like fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
XX/XX/XXXX NJ Department of Labor issued payment of {$14000.00} thru XXXX XXXX. Till today I did not received any card or check. I have contact XXXX XXXX and no one know what happen to my money. Please advise. Regards XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a voicemail that legal action was being taken against me. Upon calling the number provided, Ive been told a was being sued for a debt from a credit card that was active from XXXX. 

The law firm would not provide a copy of the notice. I do not recall receiving any specific notice. 

The representative indicated the next step was court. I would receive a summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA has been reporting on my credit report that I have a loan by phone account past due since XX/XX/year>. I have no knowledge of this account and have never been provided with proof of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute certain hard inquiries that appear on my credit report, which I believe are fraudulent. After reviewing my credit report, I have identified the following unauthorized hard inquiries : Creditor Name : XXXX Date of Inquiry : XX/XX/2024 Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/2024 Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/2024 I did not authorize or initiate these inquiries, nor have I been contacted by these companies. It appears that my personal information was used without my consent, and I suspect these inquiries are a result of fraudulent activity.

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 2025-03-14 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: MN

Complaint narrative:
I asked all reporting company to remove inaccurate information on my report. Late payments and collections. I have spoke with Dept of Ed XXXX. They confirmed I never had no late payments. It was inaccurate. The reporting company never did investigating my problem and keep coming back verified after dispute. Never removed the inaccurate information reporting. 


Dept of Ed/ XXXX has XXXX late payments on my reporting which is inaccurate information. They confirmed it was wrong error and reporting company must delete those negative reporting. The credit bureau never responded or deleted. Please delete all late payments and collections all my XXXX reports. 

Reporting agencies must delete all inaccurate information and collections from my report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: MN

Complaint narrative:
I asked all reporting company to remove inaccurate information on my report. Late payments and collections. I have spoke with Dept of Ed XXXX. They confirmed I never had no late payments. It was inaccurate. The reporting company never did investigating my problem and keep coming back verified after dispute. Never removed the inaccurate information reporting. 


Dept of Ed/ XXXX has XXXX late payments on my reporting which is inaccurate information. They confirmed it was wrong error and reporting company must delete those negative reporting. The credit bureau never responded or deleted. Please delete all late payments and collections all my XXXX reports. 

Reporting agencies must delete all inaccurate information and collections from my report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account my written instructions.

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 2025-03-14 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: IL

Complaint narrative:
i did not authorize this transactions on credit 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 2025-03-14 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I live in Washington state. I entered a lease agreement with Hyundai Motor Finance for a new elective vehicle in XX/XX/XXXX ( the lease agreement is attached ). According to the lease terms, my monthly payment is {$390.00}. This amount was consistently reflected in my statements and payments through XX/XX/XXXX ( attached ). However, starting with the XX/XX/XXXX statement, there was an unannounced increase of {$42.00} in my monthly payment. See the attached statements from XX/XX/XXXX to XX/XX/XXXX. I did not receive any email or letter in the mainbox about this increase in the amount, which is unacceptable. 

I made many calls to customer care and discussed with representatives, I was informed that this additional amount is attributed to the Washington ( WA ) sales tax. However, as a resident of Washington State, I know that no sales tax should apply to this lease. I am confused and concerned about why this additional amount has been billed to me. I spent many hours calling the local Hyundai store and the customer care representatives. They did not explain why this extra amount is showing on my case. They said I must write a letter to " Property Tax department '' of Hyundai Motor finance With address : Property Tax department Hyundai Motor finance XXXX XXXX XXXX XXXX XXXX XXXX The lease agreement clearly states that my monthly payment is {$390.00}. According to the agreement, there should be no changes to this payment amount. The unexpected increase of {$42.00} per month results in an additional cost of over {$800.00} for the remainder of the lease term. 

I wrote a letter to the Property Tax department of Hyundai Motor Finance requesting they investigate this matter and adjust my monthly payment back to the agreed amount of {$390.00}. I sent the letter on XX/XX/XXXX, and have not received a phone call or email from them until now.

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 2025-03-14 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: MI

Complaint narrative:
XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent Inquiries on my credit report. XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>.

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 2025-03-14 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: Self Financial Inc.
State: MO

Complaint narrative:
I HAVENT USED MY CREDIT FOR ALONG TIME, AND WERE TALKING ABOUT BUYING A HOUSE, SO I WENT TO CHECK MY CREDIT, AND SEEN ALL KINDS OF ACCOUNTS, ADDRESSES, AND NAMES, I UPLOADED MY IDENTIFICATION, SOCIAL SECURITY, AND TAX DOCUMENTS AS REQUESTED MY IDENTITY, ACCOUNTS, WITH MY INFORMATION WITH DIFFERENT LAST NAME, AND ACCOUNT WITH JUST MY FIRST NAME AND DOB, NO SOCIAL. ADDRESSES THAT I AM TOTALLY UNAWARE, SO I DISPUTED THESE SINCE XX/XX/XXXXXXXX  STATING SOMES ACCOUNTS OPENED IN XXXXXXXX XXXX IN A DIFFERENT STATE, WHEN I REACH OUT TO THE THE CONSUMER DIFFERENT DATES, SO REPORTING INFORMATION VERY DIFFERENT. I WAS TOLD THAT IT WAS PUT IN DISPUTE AND WOULD BE REMOVED AND ITS STILL ON MY CREDIT REPORT. I CALLED ONE CONSUMER THEY TOLD ME TO CALL THE COLLECTION AGENCY AND THE COLLECTION AGENCY TOLD ME TO CALL THEM BACK THAT THE CONSUMER WOULD HAVE TO CLOSE THE ACCOUNT ( PASSING THE BUCK AROUND ), THE OTHER TOLD ME WITH THEY HAVE YOUR DOB THEN APPARENTLY ITS YOU, AND VERY RUDE. AND TOLD ME THAT THEY WILL GET THEIR MONEY FROM WHOMEVER AND SOMEWAY, ON ACCOUNT THAT IS CHARGED OFF AND CLOSED, COLLECTING ON CHARGE OFF ACCOUNTS, AND BASING IT ON SIMILIAR INFORMATION NOT ACCURATE INFORMATION. AND ASKING ME FOR COPIES OF CONTRACTS, IF ITS NOT ME I CANT GIVE YOU SOMETHING I DONT HAVE AND I HAVE ASK FOR COPIES OF THE SIGNATURE, AND I HAVE BEEN IGNORED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I HAVENT USED MY CREDIT FOR ALONG TIME, AND WERE TALKING ABOUT BUYING A HOUSE, SO I WENT TO CHECK MY CREDIT, AND SEEN ALL KINDS OF ACCOUNTS, ADDRESSES, AND NAMES, I UPLOADED MY IDENTIFICATION, SOCIAL SECURITY, AND TAX DOCUMENTS AS REQUESTED MY IDENTITY, ACCOUNTS, WITH MY INFORMATION WITH DIFFERENT LAST NAME, AND ACCOUNT WITH JUST MY FIRST NAME AND XXXX, NO SOCIAL. ADDRESSES THAT I AM TOTALLY UNAWARE, SO I DISPUTED THESE SINCE XX/XX/XXXX, STATING SOMES ACCOUNTS OPENED IN XXXX XXXX IN A DIFFERENT STATE, WHEN I REACH OUT TO THE THE CONSUMER DIFFERENT DATES, SO REPORTING INFORMATION VERY DIFFERENT. I WAS TOLD THAT IT WAS PUT IN DISPUTE AND WOULD BE REMOVED AND ITS STILL ON MY CREDIT REPORT. I CALLED ONE CONSUMER THEY TOLD ME TO CALL THE COLLECTION AGENCY AND THE COLLECTION AGENCY TOLD ME TO CALL THEM BACK THAT THE CONSUMER WOULD HAVE TO CLOSE THE ACCOUNT ( PASSING THE BUCK AROUND ), THE OTHER TOLD ME WITH THEY HAVE YOUR DOB THEN APPARENTLY ITS YOU, AND VERY RUDE. AND TOLD ME THAT THEY WILL GET THEIR MONEY FROM WHOMEVER AND SOMEWAY, ON ACCOUNT THAT IS CHARGED OFF AND CLOSED, COLLECTING ON CHARGE OFF ACCOUNTS, AND BASING IT ON SIMILIAR INFORMATION NOT ACCURATE INFORMATION. AND ASKING ME FOR COPIES OF CONTRACTS, IF ITS NOT ME I CANT GIVE YOU SOMETHING I DONT HAVE AND I HAVE ASK FOR COPIES OF THE SIGNATURE, AND I HAVE BEEN IGNORED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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