vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX Request for Debt Validation Dear, Portfolio Recovery Associates , LLC I am writing in response to your phone call dated [ XX/XX/year> ], regarding an alleged debt. I am requesting that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name of the original creditor.

2. The amount of the alleged debt.

3. A copy of the original contract or agreement that authorizes you to collect this debt.

4. Proof that you are legally authorized to collect debts in Louisiana.

5. A detailed accounting of how the alleged amount was calculated.

Until you provide the requested validation, I am requesting that all collection activities cease. This includes reporting this debt to any credit reporting agencies.

Please note that this letter is not an acknowledgment of the validity of the debt, nor is it a promise to pay. I am simply exercising my rights under the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I reached out to the complany several times, via phone and email and even on the googlesearch and was advised I was unsure who they were and how this account was set up and told them to remove but no avail. No call backs, letters, validation nothing they have been silent too long this has been years of me reaching out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TrueAccord Corp.
State: MO

Complaint narrative:
I reached out to the complany several times, via phone and email and even on the googlesearch and was advised I was unsure who they were and how this account was set up and told them to remove but no avail. No call backs, letters, validation nothing they have been silent too long this has been years of me reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am a victim of identity theft, and multiple unauthorized credit inquiries have been made without my consent. These inquiries are causing harm to my credit profile and were not initiated by me. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and am disputing these inquiries under my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Inquiries : - TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Equifax : XXXX XXXX XXXX XXXX XXXX XXXX  - Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax : XXXX XXXX XXXX XXXX XXXX XXXX  Violations : - * * FCRA 1681b * * : A consumer reporting agency may only furnish a consumer report for a permissible purpose. These inquiries were not authorized and do not meet the permissible purpose requirement.

- * * FCRA 1681i * * : Requires a reasonable reinvestigation of disputed information within 30 days.

- * * FCRA 1681c-2 * * : Requires blocking of information resulting from identity theft within 4 business days upon receiving proof. 
- * * 15 U.S.C. 1681n & 1681o * * : Establish civil liability for willful or negligent noncompliance with the FCRA.

Resolution Requested : I am requesting the * * immediate and permanent removal * * of the above-listed unauthorized inquiries from all of my credit reports with Equifax, XXXX, and TransUnion. I also request confirmation in writing that these inquiries have been removed, and that my file is flagged to prevent future unauthorized access without proper verification. 

Attachments : - FTC Identity Theft Report This matter is urgent, and I request resolution without delay to prevent any further harm to my credit and financial standing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I purchased a vehicle from JD Byryder in XX/XX/XXXX. At time I paid XXXX cash down towards car but I also had a promissory note for additional {$1000.00} which was broken into XXXX bi weekly payments of {$260.00}. At the time I thought this was part of my auto loan not additional down money. I also paid {$1900.00} for a service contract that I thought was included with car. I signed a retail installment contract and security agreement. The apr is 19.854 % Finance charge is {$8200.00} amount financed is {$15000.00} Total of payments is {$23000.00} Total sale price is XXXX for XXXX XXXX XXXX with XXXX. Number of payments XXXX bi weekly payments of {$210.00} beginning on XX/XX/XXXX. Late charge is listed as n/a. I have made XXXX payments so far which total {$15000.00} bc some payments are more than XXXX. I have had XXXX payments for total amount of {$1200.00} that were applied to only the interest of loan with nothing applied towards principal. I never was given amortization schedule at time of sale, I was only provided ledger on XXXX XXXX. At which point I asked dealership who is also CNAC to provide amortization schedule for loan. I was told by manager that they don't have such a thing and to look up online. I did that on multiple calculators and none have a loan that randomly has payments that go to just interest. I brought up these questions to the manager on XX/XX/XXXX, my car was repossessed the next day XX/XX/XXXX. I have asked multiple times to speak with a general manager or someone above XXXX or XXXX and have no response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
my XXXX  ride was XX/XX/year> total was {$23.00}. ( XXXX/XXXX/XXXX  ) im charged {$28.00}. 
( XX/XX/year> ) i filed a complaint with XXXX about the over charge of my ride. ( XX/XX/year> ) i was promised a refund for {$27.00} within 3-5 business days. they only refunded me {$0.00}. ive reached out to XXXX  with the pictures of them promising me ill receive a {$27.00} rerund. it looks like they've changed their minds and proceed to give me {$17.00} in XXXX XXXX  and a refund of {$0.00}. ive explained so many times about the refund and they just ignore me and give me generic anwers. ive tried to get cash app to dispute the charges with the evidence and it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
I had an account with HSBC ( it was a HSBC XXXX XXXX savings account ). Last balance was {$10000.00} I learnt recently that the bank closed my account- without notifying me and did not send the funds to me. 

Per the statements provided by the bank, the account was closed on XX/XX/year>. 
But no communication was sent to me. I recently learnt of this and now they can not tell me where the funds are. 
A customer service rep at HSBC told me that my account and its funds were transferred to XXXX Bank. I called XXXX Bank- but they have no account in my name and no records of ever receiving the funds from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
A discovery account was opened in my name that was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 


Please delete the following accounts : XXXX XXXX XXXX XXXX, Acct Number XXXX XXXX, Acct Number XXXXXXXX XXXX XXXX XXXX XXXX, Acct Number XXXXXXXX XXXX XXXX XXXX Acct Number XXXX XXXXXXXX XXXX XXXX XXXX Acct Number XXXX XXXX XXXX Acct Number XXXX, XXXX. {$1400.00} XXXXXXXX XXXX XXXXXXXX, Acct Number XXXXXXXX XXXX XXXX Acct Number XXXX XXXX, Acct Number XXXX XXXX XXXX, Acct Number 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 2025-08-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XX/XX/XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2025-08-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XX/XX/XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: NV

Complaint narrative:
I was working with beyond finance, and since a whole year passed without any resolution I decided to close the program I had with them. But on that call they say the money I had on the program was going to be deposit to the my bank account on file. I called XX/XX/year> to ask about that money and they said they used that money for fees. I asked them to provide a detail statement showing me the total in fees, but they provided a very confusing statement, where at the end of the statement it shows exactly the amount I had on the program used to pay the fees, when I cancel the program they didn't say I owe that money in fees, they did not talk about the total fees. Now they don't want to return my money because they say it's for the fees but when I ask for a detail statement showing how the fees are collected they said they don't have that type of document, they can only provide a statement showing they took all my money I had in there. And can't provide me with a statement showing how they came to the conclusion that the money I owe in fees was exactly the amount on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
My mortgage servicer, NewRez LLC, has repeatedly failed to provide a required escrow account breakdown in violation of federal law under the Real Estate Settlement Procedures Act ( RESPA ), Regulation X ( XXXX XXXX XXXX ). 

For several months, I have submitted written requests for : A complete escrow account history for the past escrow computation year, including all deposits, disbursements, payee names, and dates. 

An escrow projection for the next computation year, showing monthly escrow amounts, anticipated disbursements, and the escrow cushion. 

An explanation for why my monthly escrow portion exceeds my mortgage principal and interest payment. 

Instead of providing this information, NewRez has sent the same generic letter XXXX months in a row stating, Due to the complex nature of the matter, we kindly request additional time without delivering the required escrow statement or explanation. 

XXXX XXXX Violations : 12 CFR 1024.17 ( i ) requires mortgage servicers to provide an annual escrow statement detailing all account activity, projections, and explanations for surpluses, shortages, or deficiencies. 

12 CFR 1024.17 ( c ) limits monthly escrow collections to XX/XX/year> of anticipated disbursements plus a cushion not exceeding XXXX of the annual amount. 

12 U.S.C. 2605 ( e ) requires servicers to respond to borrower inquiries within XXXX business days and provide substantive information within XXXX business days. 

XXXX failure to respond with a compliant statement within the mandated timeline constitutes a violation of RESPA and XXXX XXXX. 

Impact on Me : Because of their refusal to provide an accurate breakdown, I am being charged an escrow portion that is more than my mortgage principal and interest, with no justification. This has caused financial strain and uncertainty about the true cost of my mortgage payments.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roadrunner Account Services, LLC
State: MO

Complaint narrative:
I requested debt validation and the information provided to me is insufficient to legally validate the debt, The debt is to the best of my knowledge not mine. It is definitely inaccurate and damaging my XXXX XXXX, which is preventing me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief