vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Chime Financial Inc
State: OR

Complaint narrative:
Someone has stolen my identity and opened a card from Chime in my name. I tried to cancel the account, but they need an FTC report first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. 
The account payment status, payment balance, and account status is reporting different information across all XXXX bureaus. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : ExperianXXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX - XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
I pay my mortgage on time every single month. Around XX/XX/XXXX, I noticed a late charge of {$68.00} on my account. I called Roundpoint to ask about the charge, and they said they'd mailed me a letter in XXXX to inform me that the escrow portion of my mortgage payment would be increasing by $ XXXX starting XX/XX/XXXX because my taxes and insurance had increased. In effect, my XX/XX/XXXX payment was on time, but it was {$190.00} short because I wasn't informed about the increased amount. I immediately paid the difference and asked Roundpoint to waive the late fee because I never received the letter they supposedly tried to send me in XXXX. 

I told Roundpoint that I hadn't received a letter from them when I called them on XX/XX/XXXX, and again in an email I sent them on XX/XX/XXXX. In addition, Roundpoint has sent me multiple automated emails stating that postal mail they tried to send me never went through, and asking me to confirm my street address. ( My address hasn't changed since 2016. ) Roundpoint never replied to my email, though they acknowledge they received it and they claim they tried to call me to respond orally, though they didn't leave a voicemail.

Despite Roundpoint 's failure to inform me about the increased monthly payment, they've refused my multiple requests to waive the late fee they unfairly charged me. They tell me they don't waive such fees unless it's " their fault. '' I don't know how they can claim that my short payment on XX/XX/XXXX wasn't their fault, if they tried to inform me about the new amount by postal mail, and they know that postal mail they send me apparently isn't going through.

I think it's suspicious that Roundpoint refuses to put their position in writing, and I'm concerned their borderline abusive late fees might not be challenged by borrowers with less knowledge or ability to fight back. Please ask them to waive the fee they've tried to impose on me, and to be more transparent with other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I did not open an account with this company. My ex husband has opened several credit cards and loans in my name and I have been working for years to get them removed. Please remove this from my credit as this is not my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX repossessed the car and are reporting on my credit that I owe the original sale price without accounting for the sale of the repossessed car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 
I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have repeatedly requested Midland Credit Management to verify the debt and provide relevant documentation. To this day, they have ignored my request. On XXXX XXXX XXXX, I sent them an email asking for this information, but again, they ignored all my requests. Midland Credit Management also engaged in harassing behavior and continued harassing me by phone, despite being told not to call anymore. They continued calling and even reached out to my family to continue harassing me.

On XXXX XXXX XXXX, they reported the collections account to my credit report, knowing that I was disputing the debt and asking them for debt verification. Midland Credit Management is continuing to ignore the law and acceptable debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
for some reason i have XXXX cars reported i never financed before by some bank called lobel financial. XXXX  XXXX  XXXX XXXX  and a XXXX XXXX XXXX was the first car. A few things i would like to report that was not of my consent im just now learning knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

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, CHALLENGED OR NOT.

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 2025-04-13 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: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. I was made aware of a lawsuit filed by the CFPB against the credit bureaus alleging that consumer disputes are not being handled correctly. I request my dispute be handled per the lawsuit guidelines, if not, please include me in the lawsuit against the credit bureaus. Please remove these accounts from 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Disputed on XXXX XXXXXX/XX/year>, {$640.00}, no action was taken by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Final Dispute Notice Inaccurate Charge-Off Reporting FCRA Violations To Whom It May Concern, I am writing to formally dispute an inaccurate charge-off that still appears on my Equifax credit report. This same account has already been deleted from XXXX and XXXX due to lack of verification. Equifax is now the only bureau still reporting this item, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA 611 ). 
Account Number : XXXX Creditor Name : XXXX Status : Charge-Off/ Transfer Legal Grounds for Deletion : 1. FCRA 611 ( a ) ( 1 ) ( A ) - Inconsistent Reporting This charge-off no longer exists on XXXX or XXXX, proving it is unverifiable and inaccurate. 
Equifax is now misreporting information, making my credit report inaccurate. 
2. FCRA 609 ( a ) ( 1 ) - Unverified Account If this debt was legally verifiable, it would remain on all three reports. 
Since XXXX and XXXX could not validate it, Equifax is obligated to delete it immediately. 
3. FCRA 611 ( a ) ( 7 ) - Method of Verification Request I am formally requesting Equifax provide the exact method of verification used to validate this charge-off. 
If you fail to provide proof, the account must be deleted immediately under the law. 

Notice of Legal Action If Equifax fails to correct this inaccuracy within 30 days, I will take the following actions : File a lawsuit for FCRA violations under 15 U.S.C. 1681n and 1681o, seeking damages for each incorrect item reported. 
Submit formal complaints to the CFPB, FTC, and Pennsylvania Attorney General. 
Demand full statutory damages for willful non-compliance, which could result in legal action against Equifax and any parties involved in misreporting this debt. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: VA

Complaint narrative:
I submitted a written dispute to Experian on XXXX XXXX XXXX, including all required identification documents ( copy of my driver 's license and Social Security card ). On XXXX XXXX XXXX, Experian responded via email with a stall letter falsely claiming that the dispute was not sent by me and that no action would be taken. I sent a follow-up dispute via certified mail re-attaching all identifying documents and demanding compliance under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires a reinvestigation within 30 days. Experian responded again with the same stall language on XXXX XXXX XXXX. I called them, and a representative claimed they had no record of my mailed disputes, even though they sent email confirmations of receipt. I believe Experian is intentionally refusing to investigate in good faith and attempting to force me into disputing only via their online or phone systems. This is a violation of my FCRA rights, and I am seeking CFPB assistance to ensure proper reinvestigation.

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 2025-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX repossessed a car and is still trying to collect the original sale price for the car without an accounting of sale proceeds.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this formal complaint against Equifax for continuing to report a dismissed XXXX  XXXX bankruptcy ( Case # XXXX ) on my credit report despite its legal termination. The bankruptcy was dismissed on XX/XX/XXXX with no confirmed plan, no payments to creditors, and no discharge which means Equifax has no lawful reason to report it as an active derogatory public record. 

I have had a security freeze on my XXXX file since XX/XX/XXXX, yet Equifax continues to claim it received this information, even though XXXX can not lawfully share any data while frozen. Additionally, XXXX submitted disputes to Equifax on my behalf with no response. 

I am submitting this dispute with full documentation, including : Court dismissal proving the bankruptcy was never confirmed nor discharged XXXX dispute letter showing the security freeze Formal FCRA dispute letter referencing FCRA 1681e ( b ), 1681c, and 1681i XXXX credit report showing this same record has been deleted This is a clear violation of federal law. I demand that Equifax immediately and permanently delete this dismissed bankruptcy. If this is not resolved, I will pursue action with the FTC, Maryland Attorney General, and consider civil litigation under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been a member with Capital One for over XXXX  years now and about XXXX of those years at least XXXX  have I spoken to them advising that they are communicating to me in XXXX  and I do not speak that language. My mobile app constantly needs to be updated to my current language " which is XXXX '' by me every time that I need to pay my bill or log in and look at information. I've asked them to correct this because even emails are not in XXXX and I can not understand them. They advised me today that they have my preferred language as XXXX and they see no issues that I am speaking of to my account and that I should check with XXXX XXXX about this issue since they are the ones doing credit reporting. I advised that I do not have business with XXXX XXXX and this is a XXXX party app that they contracted with. They also recommended that I reach out to my email provider for more information about this issue. In the past I have missed payments that I was unaware of because of the language barrier and this has affected my credit score negatively capital one has not tried to help in any way with this issue. I would like for them to update my account and update my report to show no missed payments on my credit as it is not my fault and I have always made my payments on time to them. I understand that they can not see what I can see but I have offered to send this information to them and they refuse to accept the screenshots or anything so I have attached a copy of a screenshot of my email, not my mobile account because I have already updated my mobile language preference for today. Please investigate this matter and get back to me with any information or if I may need to provide any more information for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am filing this complaint because Capital One is reporting repeated monthly charge-offs for the same account on my credit report, from XX/XX/XXXX through XX/XX/XXXX. A charge-off is a one-time event, yet they continue to report it every month, which is inaccurate, misleading, and harmful to my credit profile. 

I disputed this with XXXX and they answered my dispute indicating the issue was resolved, when it was not. When I verified my credit report, the same inaccurate and harmful information is reported by XXXX, which resulted in the issue not being resolved. I have also initiated a dispute with XXXX XXXX and I am currently waiting for their response. 

This reporting practice appears to violate the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which requires furnishers to provide accurate and non-misleading information. I am requesting that the CFPB investigate this matter and that the creditor correct the reporting to reflect only the original charge-off date. 

In addition, I have not received a 1099-C form for this canceled debt, which is required for tax reporting purposes. Under IRS guidelines, creditors must send a 1099-C when canceling a debt of {$600.00} or more. The lack of this form further complicates the accurate reporting and resolution of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
To Whom This May Concern, In Wich Happened, My Info Pertaining Financial, Own & Or Personal Was Indeed Negotiated, Therefore Thats Considered Violating The Family Educational Rights and Privacy Act & I Would Like To Demand My Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 15 USC 1681c-2 block information resulting from identity theft. Except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by such an agency. DELETE THESE UNAUTHORIZED INQUIRIES IMMEDIATELY!!!!!!!!!!!

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 2025-04-13 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: MI

Complaint narrative:
ive recently checked my credit and noticed fradulent accounts on my credit report i never made or have knowledge ofthese accounts remove asap violation of 15 usc 1681 s-2 eb nobody shall furnish any information on my report. violation of fcra

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 2025-04-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , 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 XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief