vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the XXXX XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under XXXX XXXX XXXX ( a ) ( 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 2025-05-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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: GA

Complaint narrative:
Due to 15 USC 1681, it states that the foundation for the FCR ACT, outline its purpose and emphasizing the importance of fair, accurate and confidential credit reporting practices. I have been included in Equifax, TransUnion, and Experian data breach. Allowing my personal info to people I don't know. i have been receiving request by phone for all types of info the pass year and a half. In XXXX I seen an inquiry on my report and i called in to dispute it, to find out that someone has open an account with XXXX for XXXX XXXX I called the three credit reporting company that houses my data ( the someone's who has lack security allowing my personal info to be linked ) to report it and they request me fill this FTC on XX/XX/year> report after filing a stated dispute with them. I have an inquiry from Prosper and an account from Prosper and two inquiries from XXXX that I didn't do. I am requesting that they remove these items immediately. 
on XX/XX/year> I filed a CFPB report with the numbers TransUnion XXXX ; Experian XXXX ; Equifax XXXX. I then filed a police report on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Due to 15 USC 1681, it states that the foundation for the FCR ACT, outline its purpose and emphasizing the importance of fair, accurate and confidential credit reporting practices. I have been included in Equifax, TransUnion, and Experian data breach. Allowing my personal info to people I don't know. i have been receiving request by phone for all types of info the pass year and a half. In XXXX I seen an inquiry on my report and i called in to dispute it, to find out that someone has open an account with XXXX for XXXX XXXX I called the three credit reporting company that houses my data ( the someone's who has lack security allowing my personal info to be linked ) to report it and they request me fill this FTC on XX/XX/year> report after filing a stated dispute with them. I have an inquiry from Prosper and an account from Prosper and two inquiries from XXXX that I didn't do. I am requesting that they remove these items immediately. 
on XX/XX/year> I filed a CFPB report with the numbers TransUnion XXXX ; Experian XXXX ; Equifax XXXX. I then filed a police report on XX/XX/year>.

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 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
I noticed this debt collection on my report and I dont recall this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
Midland Credit has falsified their documents of a supposed debt. they have provided no accurate information regarding said debt just call me relentlessly and have now attempted to serve me with a court ordered judgment. I do not believe any of this is accurate and they have not proved it to be accurate, whether it be the dates of the amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a complaint in XXXX regarding Capital One 's failure to TIMELY record their lien on my vehicle. I re-financed with Cap One in XXXXXXXX XXXX XXXX When I went to sell my car to XXXX in XXXX of XXXX - approximately 9 months since Cap One became my lienholder, I could not because Cap One had not recorded their lien. As such, I incurred additional finance charges on the auto loan with Cap One. The ONLY reason they ever recorded their lien was because I had to call them and complaint to half a dozen people. I spent hours on the phone with their associates and the XXXX to get a status update. I was sent round and round to a number of associates who do not comprehend the basics of their job. Cap One responded to my first CFPB complaint on XX/XX/XXXX but failed to address or even acknowledge their FAILURE to timely record their lien. I incurred additional daily finance charges on the loan with them. Basically, Cap One profited on their error by me paying additional fees. Instead of reimbursing me for this, they filed a vague response and informed me of my payment history. I am fully aware of my payment history and pay-off. I do not need that information nor did I request it. What I want is for this company to reimburse me the additional finance charges I accrued due to their lack of handling customer accounts. I am also now seeking reimbursement for the amount of time I spent on the phone with their associates begging them to do their job. If this is not rectified by monetary reimbursement, I will take legal action which will cost WAY more than the few XXXX dollars I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I found an inaccurate negative items on my credit report. Porfolio Recovery and XXXX XXXX XXXX are the two companies that I have contacted and received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove these unverifiable items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My Discover credit card account ending in XXXX, which Ive held since XXXX, was closed suddenly due to inactivitywithout any prior warning or communication. I had no late payments on this card or any other credit account. I maintained a XXXX balance on purpose to improve my credit utilization ratio, not because I had abandoned the account. 

Discover did not send me any notice by mail, email, or phone before closing the account. This action immediately and negatively affected my credit score by damaging my credit age and utilization. This card was my longest-standing line of credit and the only account anchoring my credit history.

I contacted Discover to ask for reinstatement, explaining the importance of the account and my spotless payment history over 12 years. They declined to reopen it, even though I am willing to use the card actively moving forward. 

I am now at risk of being denied a new car lease because of this unjustified closure. I believe this decision is unfair and should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
XX/XX/year> I received a email stating my crypto.com debit card has been closed with about a XXXX dollar balance Ive asked the company for ways to retrieve my funds they just tell me to open a ticket with support and wait 8 hours just to not respond anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
They never reached out or anything I was homeless. I am disputing a collection account reported by Fair Collections & Outsourcing for {$5300.00}, originally from XXXX XXXXXXXX XXXX XXXX  This account was reported on XX/XX/XXXX, but I believe the information is inaccurate. 

I do not recognize this debt and/or the balance is incorrect. I never leased from XXXX XXXX XXXX XXXX, and this may be a case of mistaken identity. I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) and for this account to be removed if it can not be verified. 

Creditor : Fair Collections & Outsourcing Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXunt : {$5300.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Please investigate and provide a resolution. Thank you.

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 2025-05-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My credit record review revealed several late payment entries that I believe are inaccurate. Despite sending formal validation request letters over XXXX  days ago, I've received no response and no satisfactory validation has been provided to support these alleged late payments. This prolonged silence is concerning as these negative entries continue to adversely affect my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I reported the issue to Equifax about my information not being able to access on myEquifax.com since XXXX and its XXXX. I keep getting the same error message and excuse that they have submitted the issue with no one reaching out even after filing complaint with CFPB. The supervisor told me told on XX/XX/year> to get over it and all I can do is send another request to the technical department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
This is a formal follow-up to CFPB XXXX regarding the collection account listed under Complete Credit Solutions, account XXXX XXXX * * * *, which I previously disputed. 

In your last correspondence, you stated that you would reach out to me directly, and you did so by offering a settlement. However, I am reiterating that : I do not acknowledge any obligation to Complete Credit Solutions. 

The alleged debt has not been properly validated or verified in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

The settlement letter you sent listed XXXX XXXX as the original creditor. I contacted XXXX XXXX and informed them of the XXXX  data breach. They confirmed that they had no record of this account being associated with me and were unable to verify the alleged balance of {$570.00}, which further raises concernsespecially considering your company is now offering to settle it for {$140.00}. 

This account is linked to the XXXX  data breach, for which I have attached my official claim ID. 

Furthermore, this account is past the statute of limitations for collection activity in my state. 

Offering a settlement does not fulfill your legal obligation to validate the debt. I am again demanding the immediate deletion of this account from all credit reporting agencies. If this matter is not resolved within four ( 4 ) days, I will pursue further legal action and file additional complaints with all appropriate regulatory agencies.

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 2025-05-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Payment issues were related to covid, I requested a hardship to help me with paying the bill however CITI did not offer any help or recourse and continued to report one late payment to the credit bureau.

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