vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I'm writing to formally dispute the Inaccurate and unverifiable information appearing on my credit report as per rights under the FCRA. As Experian has repeatedly failed to comply with their legal obligations to properly investigate and remove Inaccurate information.These accounts appear to contain inconsistent reporting that doesn't not adhere to FCRA guidelines. XXXX XXXX # XXXX the reported charge-off balance of {$670.00} does not align with accurate reporting standards with a past due of {$670.00} contradicts the charge-off status. XXXX XXXX XXXX XXXX the reported charge-off balance of {$2300.00} does not align with accurate reporting standards with a past due of {$2300.00} contradicts the charge-off status. If an account is charged-off, there should be a {$0.00} balance owed to the creditor. I have sent in multiple disputes and complaints with identity theft reports to Experian, but they have either failed to conduct proper investigations or reinvestigations or outright ignored the evidence I provided. To make matters worse, I have learned about the recent CFPB lawsuit against EXPERIAN. ( " CFPB sues Experian for Sham Investigations of Credit Report Errors '' ) which highlights that Experian has a documented history of neglecting consumer 's rights by failing to remove or properly investigate errors in credit reports. This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. I request immediate verification of all details under the FCRA section 611 ( 15 U.S Code 1681i ) If it can not be verified in compliance with federal regulations, it must be removed immediately. And under the FCRA guidelines, if a creditor reports an account as a charge-off, the balance should be reported as {$0.00} and no longer owed directly to the creditor. Please delete these accounts immediately. Thank You for your Cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Urgent Dispute Fraudulent Account Not Removed Hello, I am filing a complaint regarding a fraudulent account on my credit report that has not been removed despite my disputes with XXXX and XXXX. The fraudulent account details are as follows : Account Name : KOHLS/CAPONE - KOHLS DEPARTMENT Account Number : XXXX Open Date : XXXX/XXXX/2011 Balance : {$1900.00} I never opened, authorized, or used this account. I have already filed disputes with XXXX and XXXX, but they have failed to remove the account. Additionally, I have attached my FTC Identity Theft Report, supporting documents, and previous dispute records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
Sent to Mortgage Solutions Financial My name is XXXX XXXX, and I currently have a mortgage with MSF, Im writing to dispute the annual escrow analysis, thats doubling my monthly mortgage payments to {$2200.00} from {$1000.00}, due to no fault of my own. The notice sent by MSF shows that the increased monthly payment is due to the increase in homeowners insurance and the slight increase in taxes. MSF is responsible for making the annual payment to the homeowners insurance company but failed to make the payment at renewal causing the policy to be cancelled. I had to get a new policy which is almost double the policy that was cancelled. The previous policy was $ XXXX, the new policy is $ XXXX. As much as I dont understand all the escrow terms & talk, what I do understand is MSF is not taking any accountability for the hardship I currently find myself facing. I can not afford to pay $ XXXX. and may be forced to give up my home. My income is a monthly XXXX payment of {$1700.00} and Im already scraping by making the current payment. I also called to make sure the homestead tax credit was applied. MSF is responsible for making the homeowners insurance payments but failed to do so and will not take any responsibility for the increase or make any adjustments to make sure I keep my home. Both my insurance agent XXXX XXXX and I contacted MSF many times, as the same thing was about to be repeated again this year. I dont understand why I have to suffer all the consequences caused by MSF failure to do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
CEASE AND DESIST LETTER From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX To : LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/2025 Subject : Cease and Desist Unlawful Debt Collection and Harassment Dear LVNV Funding, This letter serves as your formal notice to immediately CEASE AND DESIST all debt collection activity and any further communication directed toward me, XXXX XXXX, SSN ending in XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. 

Your repeated attempts to collect an alleged debt through phone calls, emails, letters, or any other means are harassing, unwanted, and potentially unlawful. Furthermore, I dispute the validity of any alleged debt and demand that you immediately stop all collection efforts. 

Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to : 1. Cease all communication with me except to confirm cessation or notify me of specific legal action.

2. Provide proper verification of any alleged debt, which you have not done.

3. Refrain from any form of harassment, threats, or misleading behavior.

Failure to comply with this Cease and Desist demand will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, and may lead to civil legal action for damages.

You have 10 business days from the date of this letter to provide written confirmation that all communication and collection activity has ceased.

This letter is issued without prejudice to any and all rights and remedies available to me under federal and state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. These accounts are NOT related to any transaction completed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
I requested information, The debt was sold i didnt authorize them to sell it and I asked for the proof I gave them to give my information to the XXXX XXXX XXXX XXXX XXXX amount {$6400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 previously submitted a dispute regarding inaccuracies on my credit report, and I have yet to receive proper validation or correction of the disputed accounts. Under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request that you verify these accounts with documented proof or update them immediately. 
Reporting unverified information violates federal law, and failure to provide substantiating evidence within the required timeframe is unacceptable. Please investigate and correct the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I previously submitted a dispute regarding inaccuracies on my credit report, and I have yet to receive proper validation or correction of the disputed accounts. Under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request that you verify these accounts with documented proof or update them immediately. 
Reporting unverified information violates federal law, and failure to provide substantiating evidence within the required timeframe is unacceptable. Please investigate and correct the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I am a victim of scam. Western union funds to scammers. 
XXXX : {$4000.00} XXXX XXXX XXXX. XX/XX/year> : {$4000.00} XXXX XXXX XXXX. XX/XX/year> : {$4400.00} XXXX XXXX XXXX. XX/XX/year> : {$9000.00} XXXX XXXX I called and reported to Western union. Person picked up money in XXXX. Her name as per scammer was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, transit code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
The Department of Education has submitted my current Pell Grant Overpayment to all three credit bureaus as a student loan. The account has been charged off and closed. 

On XX/XX/year>2025 I was given a compromise agreement to repay the balance by XX/XX/scrub> 2025 I was also provided with an XXXX XXXX  eligibility letter However I have been told that it was given in error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint regarding an account reported by XXXX XXXX XXXX XXXX TransUnion, Experian, and Equifax. This account is inaccurately and inconsistently reported and should be deleted for the following reasons : Different Original Creditors Reported TransUnion lists XXXXXXXX XXXX Experian and Equifax list XXXX XXXX XXXX  This is a major discrepancy that raises serious concerns about the accuracy and validity of this debt.

Different Balances Across Reports TransUnion reports {$680.00}, while Experian and Equifax report {$430.00}.

The same debt should never have different balances on separate bureaus.

Inconsistent Account Opening Dates TransUnion lists XX/XX/XXXX, while the other bureaus list XX/XX/XXXX. 
This inconsistency further shows a failure to maintain accurate data. 
Improper Account Type The account is listed as an Open Account on TransUnion and Equifax and as Debt Buyer on Experian. 
A debt buyer should report accounts strictly as collection accounts, not as open or revolving credit. 
No Debt Validation Provided I have not received a notice of debt validation from XXXX XXXX XXXX in accordance with FDCPA 809 ( b ).

Therefore, they are not legally permitted to report this account.

FCRA Violations The company is in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) for furnishing inaccurate and inconsistent information.

This account is causing unjust harm to my credit profile. I am requesting its permanent deletion from all three credit bureaus due to these legal violations and inaccuracies.

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