vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Under the fair credit reporting act, 15 U.S.C, 1681g I have the right to demand the you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report please dont respond to my request by saying that this account have been verified send me copies of the documents theta you have in your file that were use to verify it. If you do not have any documentation in your file to verify the accuracy of the dispute account then please DELETE IT IMMEDIATELY as requested under Section 611 ( a ) ( 5 ) ( A ) ( I ) .By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthinesss Under the FCRC 15 U.S.C ., 1681li all unverified accounts Must be promptly deleted therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent Trans Union a dispute letter requesting all records and statements for the late payments on the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, I have not received any credit reports from Trans union.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was a victim of XXXX XXXX and was forced to open accounts that are now delinquent since I have become a XXXX and now i hope the accounts can be closed and cleared out and at some point I would be able to open an account of my own since I am no longer under the control of the 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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX Experian, Hello I recently received a response to a dispute that i made under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was shocked to learn that you somehow verified the disputed item and they are still on my credit report. If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. XXXXXXXX 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 XXXXXXXX I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I did research on my own and learned that in the case of XXXX XXXX XXXX XXXXXXXX XXXX ( Experian ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't Merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! I am in the process of planning a legal case, so I need specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or will expect to see the item in question permanently removed from all records.

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 2025-04-28 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: FL

Complaint narrative:
I am filing this dispute due to the presence of credit inquiries ( " Hard Inquiries '' ) on my credit report that I did not authorize or recognize. Under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 of the FCRA ( 15 U.S.C. 1681i ) grants me the right to dispute any information in my report that I believe is incomplete or inaccurate, and the credit reporting agency must investigate the disputed information.

These inquiries are negatively impacting my credit score, and because I did not authorize these credit checks, I am requesting that they be removed from my credit report pursuant to my rights under the FCRA. 

These are the Hard Inquiries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I respectfully request that these unauthorized hard inquiries be permanently deleted from my credit report and that I be provided with written confirmation once the removal has been completed. If the companies that initiated the inquiries can not provide documented proof of my authorization, these inquiries must be removed in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding the mishandling of a fraudulent activity dispute on my credit card account. 

I promptly notified the company that my credit card had been used fraudulently. I made it clear that the charges in question were unauthorized and that I was not responsible for them. Despite my immediate notification, the company failed to properly address my concerns or take appropriate action. 

I specifically requested that they provide me with proper evidence showing that I authorized or conducted these transactions. However, they were unable to provide any such proof linking me to the fraudulent activity. Nevertheless, they have continued to attempt to hold me responsible for this debt, even after being informed that it does not belong to me.

This situation is completely unacceptable. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized charges and have them properly investigated. Their failure to resolve this issue in a timely and fair manner is not only a violation of my consumer rights, but it has also caused me undue stress, financial harm, and damage to my credit profile.

I demand that the fraudulent charges be immediately removed from my account, that any negative credit reporting associated with this dispute be corrected, and that written confirmation of these actions be provided to me. Since this matter was not resolved promptly, I am not hesitating to escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and exploring all legal remedies available to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Summary of Complaint : I am filing this complaint against Target Card Services concerning a late payment that was reported to the credit bureaus, which has negatively impacted my credit scorXXXX despite my overall positive payment history. 


Details of the Issue : In XX/XX/year>, I inadvertently missed a payment on my Target Card account due to an unintentional oversight. This was not due to financial hardship, negligence, or an inability to pay ; it was a simple mistake in managing my due dates amidst a busy period. 

As soon as I realized the error, I made the necessary payment promptly and brought the account current. Unfortunately, despite this isolated incident and my previously strong history of on-time payments, Target Card Services reported the late payment to the credit bureaus, causing a significant drop in my credit score.

Steps Taken : I contacted Target Card Services to explain the situation and requested a goodwill adjustment to remove the late payment.

I emphasized my positive payment history and the fact that this was a rare, isolated oversight.

Target Card Services has so far declined to accommodate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding the mishandling of a fraudulent activity dispute on my credit card account. 

I promptly notified the company that my credit card had been used fraudulently. I made it clear that the charges in question were unauthorized and that I was not responsible for them. Despite my immediate notification, the company failed to properly address my concerns or take appropriate action. 

I specifically requested that they provide me with proper evidence showing that I authorized or conducted these transactions. However, they were unable to provide any such proof linking me to the fraudulent activity. Nevertheless, they have continued to attempt to hold me responsible for this debt, even after being informed that it does not belong to me.

This situation is completely unacceptable. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized charges and have them properly investigated. Their failure to resolve this issue in a timely and fair manner is not only a violation of my consumer rights, but it has also caused me undue stress, financial harm, and damage to my credit profile. 

I demand that the fraudulent charges be immediately removed from my account, that any negative credit reporting associated with this dispute be corrected, and that written confirmation of these actions be provided to me. Since this matter was not resolved promptly, I am not hesitating to escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and exploring all legal remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Under the fair credit reporting act, 15 U.S.C, 1681g I have the right to demand the you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report please dont respond to my request by saying that this account have been verified send me copies of the documents theta you have in your file that were use to verify it. If you do not have any documentation in your file to verify the accuracy of the dispute account then please DELETE IT IMMEDIATELY as requested under Section 611 ( a ) ( 5 ) ( A ) ( I ) .By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthinesss Under the FCRC 15 U.S.C ., 1681li all unverified accounts Must be promptly deleted therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my report.,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX * * * * * BALANCED {$790.00} Date of Last Activity : XX/XX/XXXX Payment Status : Current Late : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX BALANCED {$2200.00} Date of Last XXXX Payment Status : Late 120 Days late : 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 BALANCED {$0.00XXXX XXXX XXXXXXXX BALANCED {$720.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$690.00} XXXX  XXXX BALANCED {$810.00} KINWOOD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i opened XXXX XXXX to check my credit and it said my credit had dropped XXXX points. it said i opened a credit card on XX/XX/year> and i never did. this was fraudulent behavior by my mother, along with the other 2 credit cards she used in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I am severely XXXX and do not work. I have told these ppl to STOP calling and harassing my husband and I. They keep talking rudely and threatening us. They call at all hours and change their numbers and block the number. They mentioned they sent us a letter and have not received a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint against American Express for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. 

American Express is improperly reporting XXXX ( XXXX ) accounts to my personal credit file through Experian. These accounts are NOT personal accounts. They were associated with business accounts only. At no time did I authorize American Express to use my personal Social Security Number for business account reporting, nor did I authorize any personal consumer credit inquiries. Their actions represent a serious violation of federal law and constitute unauthorized use of personal information. 

Despite my formal complaint to XXXX XXXX from the American Express XXXX XXXX on XX/XX/year>, American Express failed to investigate or resolve the issue. They also refused to provide copies of any applications, preset spending limit letters, or proper account documentation. Instead, they continued sending collection letters from various branches across multiple states, even after accounts were dismissed by American Express New York. 

Additionally, American Express suspended business accounts in good standing without proper notice, demanded full payments on all cards at once, unlawfully restricted earned reward points, and charged employee card fees contrary to their own terms. 

Although American Express XXXX XXXX dismissed certain accounts, other divisions ( including XXXX, FL, and XXXX XXXX, FL ) continue to send false and harassing collection letters related to accounts I do not owe. These actions are not only fraudulent but appear to be an intentional effort to cause consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had made XXXX payments to my credit card on XX/XX/XXXX and XX/XX/XXXX. These XXXX payment resulted in account balance - {$870.00} on XX/XX/XXXX statement. 

In next statement period, I made purchases of XXXX and hence my credit card balance for statement generated on XX/XX/XXXX had negative balance of - {$360.00} with note from the bank that account has Credit balance, please do not pay. Due date for this statement was XX/XX/XXXX. There were no additional transaction from me using this card after XX/XX/XXXX. 

On XX/XX/XXXX, due date of my credit card account, there was still negative balance of - {$360.00} and hence no payment was needed. 

On XX/XX/XXXX, bank reversed my payment made on XX/XX/XXXX of amount XXXX to deposit this amount from my credit card to my bank account. Bank then reported Past due amount of {$30.00}, charged my account late fee of {$28.00} and reported my account as XXXX day past due to credit report agencies. This resulted in my credit score going by XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief