vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I dispute the XXXX late payment entries reported by XXXX XXXX XXXX on my credit file ( Acct ending in XXXX ). The account shows 0 % ontime payments and Collection or charge off status for multiple months in XXXX, yet I never received any chargeoff notice or verification. I asked XXXX XXXX in writing for documentation verifying these late payments and account statements showing my payment history ; they provided none. Under FCRA 1681i, furnishers must verify disputed information or remove it. Because XXXX XXXX can not verify these delinquencies, I request that all XXXX latepayment entries be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I dispute the XXXX late payment entries reported by XXXX XXXX XXXX on my credit file ( Acct ending in XXXX ). The account shows 0 % ontime payments and Collection or charge off status for multiple months in XXXX, yet I never received any chargeoff notice or verification. I asked XXXX XXXX in writing for documentation verifying these late payments and account statements showing my payment history ; they provided none. Under FCRA 1681i, furnishers must verify disputed information or remove it. Because XXXX XXXX can not verify these delinquencies, I request that all XXXX latepayment entries be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: ND

Complaint narrative:
This is a follow up to my current complaint with ID : XXXX I mentioned in my earlier complaint that I received a phone call from the bank informing me that the resolution they reach i s that to resolve this fraud myself by contacting the originating company. 
JustXX/XX/XXXX, I received the attached letter dated XX/XX/XXXX stating that they have received MY notification to withdraw the investigation and that my claim has been withdrawn and will be considered closed. 
That is absolutely false, I have never notified or contacted the bank to take such action and that another fraud requires more investigation. 
This is obviously another attempt to kill the investigation and cover up the fraud and the person who committed it.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX the credit reporting agencys need to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXXXXXX opened on XX/XX/year> I dont recognize these collections appearing on my credit report have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned, collections, are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
XXXX XXXX the credit reporting agencys need to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXXXXXX opened on XX/XX/year> I dont recognize these collections appearing on my credit report have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned, collections, are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
XXXX XXXX the credit reporting agencys need to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXXXXXX opened on XX/XX/year> I dont recognize these collections appearing on my credit report have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned, collections, are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: LA

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. I told Experian, Transunion, and Equifax to reinvestigate these accounts : FAIR COLLECTIONS & OUT XXXX * * XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX * * * * However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: LA

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. I told Experian, Transunion, and Equifax to reinvestigate these accounts : FAIR COLLECTIONS & OUT XXXX * * XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX * * * * However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly. 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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
My husband and I are elderly living on a fixed income. Beginning in XX/XX/year>, our debit card was being used for charges being made to Acima Digital/Acima.com TX , a lease-to-own platform through our bank, XXXX, in increments of {$65.00} monthly, approximately every XXXX of the month, beginning on XX/XX/year>, with whom we did not contract, utilizing our joint bank account debit card held under my husband 's name ending in XXXX XXXX XXXX XXXX. I've been ill and hadn't reviewed our account until today. This card was cancelled today and we've been issued a credit ( pending their investigation ). Our bank will reissue a card for receipt within 10 days but will only cover the past XXXX billing cycle days of charges ( from XX/XX/XXXX to date ) leaving us with a deficit. I called Acima and after a long wait on hold, spoke to a representative who informed me that I must email their fraud department ( XXXX ) and provide them with OUR names, phone # and social security number, a ludicrous suggestion I refused to do. Obviously, we can not provide a name or account # attributed to the fraudulent account. Acima did not provide any assistance that may have resulted in a resolution, much less a refund. I requested Acima check their records using the debit card number to trace back the charges, cancel the fraudulent account and refund our money. I was answered off the same script but now I was asked to only submit my name & phone # via email. If Acima was negligently careless in verifying the card user 's identity at time of contract or failed to contact our bank for verification ( which question I would have received via text " Did you make this purchase? " ), why would I subject us providing ANY personal information to Acima, however they care? The amount taken from us isn't the sole issue -- it's the lack of protection against this type of crime with little or lacking recourse against bad actors stealing our identities, disrupting our lives and absconding with our money. Do we, the elderly, need to pay monthly/yearly fees to a private company like XXXX or others, to simply protect us against identity theft? Most of us can't afford those private services. We ask for your assistance in resolving this matter and hereby respectfully issue this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: PR

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On XX/XX/2025, I sent a dispute and validation request to Portfolio Recovery. I asked for a signed contract, itemized balance, proof of ownership, and license to collect in my state. They failed to respond with any documentation. 

Despite this, Portfolio continues to report the account to all three credit bureaus. XXXX  even lists Portfolio as the original creditor, which is false. XXXX XXXX is the actual original creditor. 

This violates FDCPA 809 ( b ) ( failure to validate debt ) and FCRA 623 & 611 ( furnishing inaccurate info and re-reporting without proof ). I intend to file a civil complaint and pursue arbitration if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
OnXX/XX/XXXX, I disputed the XXXX XXXX XXXX account with Experian, Equifax, and TransUnion. I submitted a dispute letter, ID, and proof of address. I requested validation, including a signed contract, itemized balance, and proof they owned the debt and had the right to report it. 

None of the credit bureaus provided that information. Equifax and Experian marked it as verified, and Experian only added consumer disputes. TransUnion reports XXXX as the original creditor, which is XXXX XXXX is the actual creditor. 

There are also major inconsistencies in account numbers, statuses ( open vs. collections ), terms, and original creditor names across all three bureaus. This violates FCRA XXXX, XXXX, and XXXX, and possibly FDCPA XXXX. 

I am requesting deletion and damages and plan to file civil complaints and arbitration if not resolved.

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 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion regarding the inaccurate reporting of account XXXX XXXX XXXX * * on my credit report. This account is currently reporting a balance of {$4000.00}, whereas the original creditor has confirmed in writing that the account was charged off at {$3500.00}. You were notified in a dispute letter sent XX/XX/year>. This letter is attached which is dated and time stamped. I have attached the correspondence verifying this discrepancy. Additionally, your reporting practices violate the FCRA and FDCPA by inaccurately listing a XXXX past due status and payment history, despite the fact that collection accounts are not permitted to report late payments or a past-due status. This is a clear violation of federal law and misrepresents the nature of the debt. I am formally requesting that this account be immediately removed from my credit report. While I am not seeking litigation or monetary relief at this time, if this matter is not resolved within XXXX days, I will escalate this issue to my attorney for further legal action.

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 2025-05-03 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: DigniFi
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I sent a Debt Validation Letter to Midland Credit Management ( MCM ) requesting the above mentioned documents on XX/XX/year> via their website and they failed to send it. They were more concerned about trying to obtain my phone number than adhering to the legal requirements pursuant to 15 USC 1692g. Failure to comply invalidates their allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion credit report department has continuously place and report fraudulent information on my credit report I have asked the credit bureau to remove this fraudulent charges from XXXX XXXXXXXX XXXX  and they continue reporting this false information that's fraudulent account number XXXX from XXXX XXXX the account was fraudulently open on XX/XX/XXXX this account is not mine it's fraudulent so I'm reporting TransUnion to stop we're putting fraudulent information for the amount of listed for {$400.00} Company address. TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA 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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital one customer service is a scam. I called to redeem rewards and they told me I didnt have rewards. I explained that my apps shows {$930.00}. He told me his screen didnt reflect that. He said I had XXXX rewards. I emailed a screenshot to XXXX. He received the email. He stated I would need to call the rewards department and he would send my email to a different dept for further review. I asked for a email so I had record of what he was going to do. He told me no and provided the rewards dept number. 
Rewards Dept- XXXX Kids screaming in the background. Extremely broken XXXX. He told me it was company purpose to hold my information. He said I had XXXX rewards and couldnt provide any information on when I redeemed rewards. He hung up on me. Honestly, the whole call felt like a scam so I called the main number back XXXX She told me she could see record of my first call and the email. But she had no record of the rewards dept call. She couldnt provide any information as well. I asked to speak to her supervisor and her supervisor wouldnt provide a confirmation email and said my phone was breaking up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Department of Education has been abolished. Along with the account mentioned in the complaint filed with Equifax and Experian. 
Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged parent plus loan for account XXXX. Associated with account XXXX. student loan debt under your authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Possible Financial Inc
State: WA

Complaint narrative:
Whom It May Concern, I am writing to formally dispute inaccurate information reported by [ possible ] and to file a complaint regarding their business practices.

Despite fulfilling my repayment obligations and paying off my loan in full, [ possible ] has continued to report late payments on my credit report. Additionally, I have noticed multiple unauthorized credit inquiries made by the company. When I attempted to resolve the matter by contacting their customer service, I found that their listed phone number is either disconnected or unresponsive, and my emails have gone unanswered.

Furthermore, when I tried to pay off the remaining balance in a single lump sum, my request was denied without explanation. Instead, the company continued to withdraw payments from my account, even after the loan should have been considered paid in full.

These actions have negatively affected my credit score and caused significant frustration. I respectfully request that this matter be investigated, that the inaccurate information be corrected or removed from my credit report, and that appropriate action be taken against [ possiblie loan ] for their lack of transparency and communication. 

Thank you for your attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation