vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX is reporting an outdated secured card charge-off from over XXXX years ago. It is due to fall off based on age and payment history, yet Experian is still reporting it. 

This account is obsolete under FCRA XXXX XXXX. The continued presence on my report is damaging and illegal. If not deleted immediately, I will file for statutory damages for FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MS

Complaint narrative:
This debt collector has not provided me proper debt validation for this alleged debt. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b2 company has also No permission to report anything using my info pursuant to 15 usc 16814. 

XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date XX/XX/year> XXXX Attention : Dispute Department Address of the credit bureau City, State , ZIP Code XXXX XXXX, California XXXX Dear Sir or Madam, I am writing to formally dispute certain information on my credit report. I have reviewed my credit report and believe that there are inaccuracies that need to be corrected. Below are the details of the items in question : Item ( s ) being disputed : 1. Account Name : [ XXXX XXXX ] Account Number : [ Insert Account Number ] Reason [ Fraud. ] 2. Account Name : [ XXXX XXXX XXXX ] 3. Account Name [ XXXX XXXX XXXX ] 4. Account Name [ Cap 1 / Kohls ] Account Number : [ N, A ] Reason for Dispute : [ information is inaccurate or incorrect. ] This is A fraudulent Account I request that you thoroughly investigate these items, as required by the Fair Credit Reporting Act, and remove or correct any erroneous information. Enclosed, please find copies of documents that support my dispute, including [ list any supporting documentation, such as proof of payment, statements, or other records ]. 

Please confirm receipt of this letter and notify me in writing of the outcome of your investigation. I would appreciate it if you could provide me with a copy of the updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing this complaint to request my consumer report. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Social Security Number : XXXX Date of birth 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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, American Express decided to cancel my business credit card, the Business Platinum card without any valid reasons. They had just charged the annual fee in XX/XX/year>. While I understand the card issuers have the right to cancel anyone 's cards, it's very unfair that they charged me a full year worth of annual fee for that card, in the amount of a whopping {$650.00}, then decided to cancel my card within 2 months after the annual fee was charged. I'm writing to request them refund my annual fee on a pro rate basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/year>, XXXX unauthorized hard inquiries appeared on my credit report from XXXX and US Bank. I did not apply for credit, authorize any applications, or initiate any business with these companies. These inquiries were made without my knowledge or consent and are fraudulent. 

I discovered the unauthorized activity while reviewing my credit report. I am requesting that these inquiries be removed immediately from my credit file, as they were not initiated by me. I have taken steps to protect my identity, including placing a fraud alert on my file.

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: LA

Complaint narrative:
Both of these Self-serviced secured loans are showing either 60-day late payments or charge-offs, even though they were part of a credit-builder product and were fully paid.

These accounts are misleading and disproportionate in impact, and the payment history reporting is questionable. If they can not verify the delinquency with full documentation, I demand deletion. I am prepared to escalate legally under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Apelles, LLC
State: CA

Complaint narrative:
This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), for Apelles and any of its agents, employees, or affiliates to cease and desist all communication with me regarding the above-referenced account.

I am asserting my rights under federal law to request that you immediately stop all written and verbal contact with me. Further communication by Apelles regarding this alleged debt, other than legally permitted notices such as a confirmation of cessation or intended legal action, will be considered a violation of federal law and will be documented for legal action. 

I also contest the validity and ownership of this debt. I have received correspondence indicating that the same XXXX XXXX account may have been sold or assigned to multiple collection agencies, which raises serious concerns of improper debt handling and double collection attempts. Furthermore, your failure to properly validate this debt within the timelines required under 15 U.S.C. 1692g constitutes non-compliance. 

You are hereby notified that any attempt to report or continue to report inaccurate, incomplete, or unverifiable information about this debt to any consumer reporting agency will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my intent to pursue arbitration and/or civil legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concernregarding a late payment recorded in my account that requires correction. I amrequesting once again for the necessary adjustments to be made to rectify theaccount with the late payment. According to legal requirements, I understand that aninvestigation or update of the accounts is mandated. Kindly review the listed accountbelow that requires correction : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  D.C. XXXX Subject : Formal Complaint Against Equifax for Inaccurate Credit Reporting XXXX XXXX XXXX ( Account # XXXX ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax for its continued reporting of inaccurate and unverified information concerning a collection account placed by XXXX XXXX XXXX, referenced under account number XXXX. 

Despite multiple good-faith efforts to dispute this account and request debt validation from both Equifax and XXXX XXXX XXXX , the incorrect information remains on my credit report without correction or justification. 

Under 15 U.S.C. 1681s-2, furnishers of credit information are legally required to report only accurate data and to correct or delete any information found to be inaccurate or unverifiable upon receiving notice of a dispute. The continued reporting of this account suggests that neither Equifax nor XXXX XXXX XXXX is in compliance with this federal requirement. 

Further, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to employ reasonable procedures to ensure the maximum possible accuracy of the data they furnish. Equifaxs ongoing failure to address this discrepancy demonstrates a clear lack of adherence to this statutory obligation. 

Additionally, under 15 U.S.C. 1681i, Equifax must conduct a reasonable investigation within 30 days of receiving a formal dispute. To date, no meaningful investigation appears to have been conducted, and no verifiable documentation has been provided to substantiate the validity of the alleged debt. The responses I have received from both Equifax and XXXX XXXX XXXX have been vague, insufficient, and noncompliant. 

My Requests : 1. A full and independent investigation by the Consumer Financial Protection Bureau into Equifaxs handling of this account and the procedures used to verify the accuracy of the reported information.

2. A formal correction or removal of the XXXX XXXX XXXX account from my credit report if it can not be properly validated with appropriate documentation. 

3. A complete and detailed disclosure of my Credit Management Information ( CMI ) file as maintained by Equifax.

Given the CFPBs role in enforcing the Fair Credit Reporting Act ( FCRA ) and protecting consumers from unlawful or negligent credit reporting practices, I respectfully request that your office hold Equifax accountable for its failure to comply with federal legal standards.

Thank you for your time and attention to this matter. I am prepared to provide any supporting documentation you may require to assist in your investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXXXXXX # XXXX  - Date Opened XX/XX/XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened 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 2025-05-09 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit reports, I found that you are reporting negative information, including late payments, to credit bureaus regarding my account. Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( E ), financial institutions are not required by the FCRA to report such negative information.

Moreover, according to 15 U.S.C. 1666b ( a ) of the Truth in Lending Act, you may not treat credit card payments on open-end accounts as late for any reason. As a financial institution subject to the Gramm-Leach-Bliley Act, you are also responsible for protecting my private information. I never consented to the sharing of my nonpublic personal data with nonaffiliated third parties, nor did I receive notice of my right to opt out as required under 15 U.S.C. 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Dispute Letter - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Driver 's License # : XXXX Early Warning Services , LLC XXXX. XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXXXXXX  Subject : Request for Investigation and Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate or outdated information currently listed in your system under my name. I believe the following accounts are being inaccurately reported and should be removed from my consumer file : XXXX. XXXX XXXX  - Routing Number : XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX Dispute Letter - XXXX XXXX XXXX. XXXX XXXX XXXX  - Routing Number : XXXX - Account Number : XXXX - Open Date : XX/XX/XXXXXXXX  These accounts are either incorrect, outdated, ( over 10 years old ) or do not accurately reflect my current financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, and I request a reinvestigation of these records. 
Please remove these accounts from my Early Warning file if you are unable to verify them as accurate. I have attached a copy of my driver 's license and can provide any further documentation needed to assist in your investigation. 
Please confirm in writing once your investigation is complete and the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX confirmed that I have a XXXX-dollar balance on this account. My vehicle was auctioned in 2022, and the proceeds fully satisfied the loan balance. Despite this, the account is still inaccurately reported. I am requesting that the reporting be corrected to reflect the accurate status : paid in full with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
Inconsistent reporting across bureaus. TransUnion list the account as Closed, while XXXX list as Paid. Inaccuracies with opening date, TransUnion has XXXX/XXXX/2024 while XXXX has XX/XX/scrub>/2024. According to FCRA 15 U.S.C 1681e ( b ) credit reporting agencies must ensure Maximum Possible Accuracy.

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 2025-05-09 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: Rosenberg & Associates Recovery Services
State: MA

Complaint narrative:
Rosenberg and Associates contacted me from phone number XXXX ( XXXX ) XXXX insisting that debt that I had with a retailer ( XXXX ) was still owed. I explained that it was included in a bankruptcy, they said it wasnt, then told me to send them proof. I shouldnt have to do this. The court documents are public records, they can go find them and read them themselves. I have attached court documents from XXXX You can see thaXXXX XXXX is listed on the XXXX XXXX. I will consider any further communication from them, about this, to be harassment.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am submitting this complaint to report inaccurate account information that is being reported on my credit file. These inaccuracies are damaging my credit and are not a true reflection of my financial history. I am requesting a full investigation into the accuracy of these accounts, including verification of the original creditor details, payment history, and account ownership. If the information can not be verified with proper documentation, I am requesting that the accounts be corrected or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ) .Here are the list of accounts : XXXX XXXX XXXX * XXXX * * * * * * * * Balance Owed : {$2300.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX * * * * * * * * Balance Owed : {$9200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am submitting this complaint to report inaccurate account information that is being reported on my credit file. These inaccuracies are damaging my credit and are not a true reflection of my financial history. I am requesting a full investigation into the accuracy of these accounts, including verification of the original creditor details, payment history, and account ownership. If the information can not be verified with proper documentation, I am requesting that the accounts be corrected or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ) .Here are the list of accounts : XXXX XXXX XXXX * XXXX * * * * * * * * Balance Owed : {$2300.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX * * * * * * * * Balance Owed : {$9200.00}

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 non-monetary relief