23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax, Experian, and TransUnion for their failure to properly investigate and correct inaccurate, unverifiable, and misleading information on my credit reports. This ongoing failure violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as federal regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Despite multiple dispute letters ( submitted in XXXX, XXXX & most recently, XXXX, 2025 ) and my continued good-faith efforts to resolve these issues directly with the credit bureaus, they have refused or failed to take the legally required corrective actions.

Violations & Illegal Actions Identified 1. Failure to Investigate Disputed Information ( FCRA Violation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). The credit bureaus failed to conduct a reasonable investigation into the disputed accounts, which include : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Department of EducationXXXX Under the FCRA, credit bureaus are required to investigate disputes within 30 days and provide supporting documentation from the original creditornot just from the debt collector.

Reporting of Unverifiable and Inaccurate Debt ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) Credit furnishers can not report information if they know or have reasonable cause to believe it is inaccurate. The bureaus are continuing to report these accounts without proper verification, violating this federal provision.

Re-Aging of Accounts and Misleading Reporting ( FCRA Violation 15 U.S.C. 1681c ) Re-aging of debt to make old accounts appear newer is an illegal practice that extends the reporting period beyond what the law allows. This action negatively affects my credit score and is a deceptive reporting method.

Failure to Mark Disputed Accounts as Disputed ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) Even after formally disputing these accounts, the bureaus failed to mark them as disputed by the consumer, which is legally required. This omission misrepresents my credit standing to potential creditors.

Failure to Validate Debt Upon Request ( FDCPA Violation 15 U.S.C. 1692g ( a ) ) Debt collectors and bureaus must provide proper validation upon request.

No original contract containing two wet-ink signatures has been provided as required by law, meaning this debt is unverified and must be removed.

Unlawful Communication & Collection Practices ( FDCPA Violations 15 U.S.C. 1692c & 1692d ( 2 ) ) The debt collector attempted to collect a debt from an incorrect location ( XXXX, VA ), where I do not reside.

They contacted me without my prior written consent, a direct violation of FDCPA regulations.

The use of misleading or coercive language regarding credit reporting also violates 15 U.S. Code 1692d ( 2 ).
Product: Credit reporting or other personal consumer reports

My Experian, XXXX and XXXX credit report inaccurately reflects my personal identity, address, and includes incorrect negative remarks. I have only resided at one address. As an XXXX XXXX member of the XXXX XXXX, these errors have caused significant issues in my life, affecting my ability to obtain credit and impacting other aspects of my personal and financial wellbeing. 

According to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, my credit report should reflect only accurate information, including a credit score of XXXX and a credit limit of {$250000.00}, along with all positive information. The errors in my report are a direct violation of my rights under these laws. 

If these issues are not corrected in a timely manner, I am prepared to pursue legal action, including filing a lawsuit, to ensure compliance with federal laws and to protect my rights to privacy and accuracy in credit reporting.
Product: Credit card or prepaid card

I would like to file a complaint about Pentagon Federal Credit Union. I have a credit card with multiple promotional balances on it. Two of these balances are due by XX/XX/XXXX. The third is not due until XX/XX/XXXX. When I make a payment, they apply the payment in parts to all promotional balances, rather than the promotional balance that will expire first. I could find no information anywhere, either on their site or in the documents that came with the card, that explain how these payments are applied. When we called the bank on XX/XX/XXXX to inquire about making sure payments were applied to the correct promotional balance first, they told us that there is no way to apply our payments to the specific balance we want. We must wait for the promotion to expire, and then pay it ALL off the day after in one lump sum. This is an extremely unfair and predatory business practice. I should have the option to pay these balances off by the due date. It feels as though they are attempting to trick their patrons into having to pay interest no matter what and they do not make possible to pay off specific interest before the promotional rate expires.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Please make all listed below update or deleted in my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am filing this complaint after exhausting all reasonable efforts to resolve the matter with Lennar and Lennar Mortgage. 

I applied for a mortgage for a property in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I was initially assisted by XXXX XXXX and XXXX XXXX. Despite having a previous bankruptcy, I was told financing would not be a problem, and the home would not be ready until XX/XX/XXXX. 

In XXXX, my case was transferred to XXXX XXXX. After submitting all required documentation, my FHA loan was denied due to a federal loan default. While awaiting a financing alternative, I received a cancellation letter claiming I had requested the contract be canceledwhich is false. I never made such a request, and I have emails and text messages to confirm this. 

I contacted XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and Lennar Mortgage Servicing ( XX/XX/XXXX ), with no response. I called XXXX XXXX on XX/XX/XXXX, who told me Lennar would not return my deposit and that I should seek legal counsel. 

I then escalated the case to XXXX XXXX, XXXX Dispute Resolution Attorney. He acknowledged my case was under review on XX/XX/XXXX, I write back on XX/XX/XXXX but I have not received any follow-up or resolution from him or anyone else. 

I believe Lennar is unfairly withholding my deposit despite a loan denial and without proper grounds for cancellation. I request your assistance to recover my deposit and ensure compliance with fair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX   XXXX 6.XXXX XXXX XXXX XXXX 7.XXXX  XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX   13.XXXX XXXX XXXX 14.XXXX I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I reported on my credit monitoring app that my XXXX XXXX Account increased by {$300.00}. 

On XX/XX/XXXX I called XXXX XXXX and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said XXXX XXXX and I reassured her that it did. 
I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually XXXX. 
Since XX/XX/XXXX, I have not heard back from XXXX XXXX or any subsidies on this matter. I called XXXX XXXX back. I was transferred to XXXX by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. 
The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. 
I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to XXXX XXXX  XXXX because nothing is due. 
I was able to make the payment on XX/XX/XXXX and this lending note never was ever 30 days behind. 
Upon discussion with XXXX at platinum on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. 
I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. 
Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. 
Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved the US Virgin Islands upon XXXX as a XXXX year XXXX XXXX XXXX. Hurricane Irma was supported by FEMA with much needed emergency GRANTS. 2 years after receiving my GRANT, my credit score dropped 80 points. This is when I discovered that the US Treasury considered me in default for a loan. I NEVER sighed loan papers! I was NEVER told that my emergency funding was other than a grant. Attached is a letter from FEMA stating that I do not owe them money. It appears to be a discharge/write off of a debt, not the fact that I am a victim and the debt was INCORRECT. My credit score reflects that I ran out on a loan, not that I NEVER HAD a loan from FEMA. Thank you for your assistance.
Product: Debt collection

I have no business with this company and have no outstanding debts that aren't being paid. I check my credit report regularly and have no negative information. My parents may owe someone something and I have been tracked down as a relative, that's my only thought. If true, they need to deal with them. The company is well known for being rude and making threats.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. Experian and XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Debt collection

A default judgment was entered that included a debt that I was never served any paperwork. I only discovered this when I requested documentation of the payment history from their representative. I actually had to file a complaint with the Colorado Attorney General 's office to get the complete history. At that time, I received paperwork showing the debt that I was never served and that they had closed the case. When I filed the complaint, the current representative filed a motion to dismiss the judgment which was denied. I did request to settle and received no response. I just received paperwork requesting a proposed payment plan.
Product: Checking or savings account

I went into a Chase banking branch ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX ) to update my new cell phone number and was assisted by a personal banker. 
Even though I visited a Chase banking branch and was verified with my banking debit card and driver 's license, Chase bank has restricted my access to banking online. 

I have made over five ( five ) calls to their online services and even though I successfully verified myself ( soft pull on my credit file ), I still can not access my account. 

Just a week ago, I received a letter from Chase Fraud prevention and online services advising me to contact them regarding my online access. 

Chase was my bank of choice but now, they are just like any other bank : just pure nonsense! I have taken hours from my job calling and speaking with so many of their Associates and even their supervisors and STILL nothing has changed, I REFUSED to revisit any of their branches or call their online banking again to rectify this mess. 

You have wasted a lot of my time.
Product: Checking or savings account

On XX/XX/XXXX i noticed that my account was rejecting deposits and withdrawals with ZERO notice from Novo. I called to figure out what was going on. They told me my account was under investigation and that they cant tell me anything else its frozen. I asked for a timeline they said they didnt have one. I asked for why they said they couldnt say. Im simply running an XXXX and they literally decided to freeze my account right behind my mortgages were due. Causing me to suddenly have to find another {$5000.00} somewhere and open new accounts and change everything quickly. 
Ive contacted support over and over and all they will ever say is the accounts team is investigating, no you cant talk to them, they will reach out if they need more info and theres no specific date that your funds will be unfrozen. If I was a smaller business taking away all my cash with no definite end date and not allowing bills to be paid without notice is absolutely insane and should be illegal.
Product: Debt collection

I am writing to address a concern regarding the reporting of accounts on my credit file, specifically, XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. XXXX has already updated the status and removed the late dates of these accounts from their records. There was an error present, and they were able to find it. I am confused about how your bureau has verified this information while the other bureaus have successfully updated the status and removed the late dates. This inconsistency is not only inconvenient but also a matter of concern. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

I have had fraud alerts on my accounts and sent multiple letters and affidavits to companies and credit agencies. It took 7 months and multiple letters JUST to get my NAME CORRECT with all 3 Credit agencies. Its causing harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$17000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : $ XXXX This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
Product: Credit reporting or other personal consumer reports

Recently checked credit report & seen accounts that I did not sign up for and do not recognize.
Product: Checking or savings account

I called USAA on XX/XX/XXXX to help me resolve a debit card dispute for a transaction that took place on XX/XX/XXXX in the amount of {$6500.00}. The company I am disputing with has a class action lawsuit pending against them for bad practices etc. I specifically asked the representative it was too late to dispute the amount, she said no. She said she could dispute it for me with out any problem, which she did and gave me provisional credit. She then told me I needed to write a letter to ensure they got my side of the story while they investigated. I wrote a long letter to explain everything .... 

I received the provisional credit on XX/XX/XXXX and patiently waited for the results of the dispute after Id gathered my evidence and wrote my letter as instructed only to hear back from them 3 weeks later on XX/XX/XXXX saying my dispute was filed too late and they would be removing the provisional credit without even investigating. This seems crazy to me as I am sure there should have been training in place to let the first representative know not to file the dispute if it was past the timeframe to file. In addition, why did it take 15 business days to get back with me to tell me they werent going to investigate. Which means they didnt even start looking into my dispute or my letter that I took the time to write per their instructions.
Product: Debt collection

I have continuously received a debt collection letter from a company called IC System. This debt is supposedly for an overdue phone bill that I owe to XXXX XXXX. 

The issue here is that I, XXXX XXXX, have NEVER been a customer of XXXX XXXX in my life. I have never owned an account with them. So this is either a complete mistake or fraudulent collection notice. 

This collection notice resulted in a " hold '' on my credit report with XXXX, which resulted in my denial of a loan with my bank. 

On XX/XX/2020 I opened a dispute on this account with XXXX. The dispute was settled on XX/XX/2020. However, this item was not removed from my credit report. 

I then contacted XXXX XXXX on XX/XX/2020 to dispute the collection, and was told they could not help me. The woman that I spoke with said that I needed to contact IC System directly to dispute the collection. 

However, I have called IC System on three separate occasions, and was unable to reach a service representative. I waited for a rep to become available until I could no longer wait. Thus, I was never able to speak with anyone. 

It is for these reasons that I am filing this complaint. I want this false/fraudulent debt collection completely removed from my credit report altogether.
Product: Debt collection

This is my second time I have to ask you for help. Cooling & Winter is not responding to any of my communication again letting me know what the pay-off balance is. I have called several times and asked them to call me. I have also e-mailed several time and again no response. Cooling and Winter LLC web payment site still shows that I owe over {$1200.00} even though I should be done making the payments ordered by the court. I am worried if I stop paying they will try to pull that I owe all the money because that seems to be there practice not responding and demanding full amount.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.