vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: AZ

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all outdated, inaccurate, or unverified accounts and inquiries listed. I did not grant permission for these inquiries, and their presence on my report is a violation of the Fair Debt Collection Practices Act. 
I have attached a copy of my credit report with the inquiries in question highlighted for your reference. 
The inquiries in question are as follows : List of Unauthorized Hard Inquiries : Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX XXXX : ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Please investigate this matter and remove these inquiries from my credit report at the earliest. Failure to comply with this request within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may lead to legal action under 15 U.S.C. 1681n and 1681o for violating my rights under the FCRA. 
I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against Experian and XXXX  for conducting sham investigations and failing to properly investigate consumer disputes. I expect TransUnion to conduct a through, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inquiries have been removed from my credit report.

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 2025-05-17 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I disputed incorrect balance information reported from Santander CONSUMER USA. I have used XXXX  to assist in disputes and each time the company fails to provide any actual details, just the results. I disputed information regarding Santander Consumer USA a total of 5 times. Each had the results accessible online with the exception of the report submitted XX/XX/year> report number XXXX. Information regarding this dispute was NOT made available online, mailed or emailed. Instead the result stated that I need to call XXXX  regarding the results. I called 8 times over XXXX and XXXX, as well as tried to dispute the incorrect balance information several times. No response or assistance from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CASHCALL, INC.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple hard inquiries were made on my credit report by various companies without my knowledge, consent, or authorization. I did not apply for credit, loans, or financing with any of the companies listed below during that time frame. 

These companies include : CASHCALL INC ( inquiry on XX/XX/XXXX ) XXXX  ( multiple inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  associated with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  ( inquiries on XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I took no action to initiate or approve these credit inquiries and consider them fraudulent. I have not had contact with these companies prior to the inquiries, nor have I submitted any applications that would authorize such activity. 

I am requesting that these hard inquiries be investigated and permanently removed from my credit file, as they were not authorized by me and may have resulted from identity theft or unauthorized use of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
I don't own any Property on XXXX XXXX and the person that owns it is XXXX XXXX XXXX and Lexis Nexis has my name listed and tells about mortgage that I don't have. I called XXXX XXXX and my is not a mortgage at all. Now this new one report says somebody died and it says owner / trustee and I don't that propery. I send a copy of deed showing I don't own it LexisNexis Property Deeds Records and LexisNexis says are correct and they are not correct. My daughter is Realtor XXXX XXXX XXXX XXXX XXXX now she married. XXXX printed a document saying I don't owe any property on XXXX XXXX but is still on on my consumer record. I send a tax bill showing all my husband and XXXX own and we do not any Propery on XXXX XXXX It have a mortgage listed since XXXX now they list owner / trustee on the same Propery LexisNexis suppose to have taken off but LexisNexis never did it. Lexis Nexis has 50 years that is listed for my home that my family has lived on this property that I own since XXXX so it says online they keep records for 7 years and mine is listed for 50 years. It also says I borrowed money on that property and I have borrowed any money on that property. The worst that LexisNexis says it is my second home I have never lived on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This complaint is submitted under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverifiable derogatory information being furnished by Navy Federal Credit Union ( NFCU ) regarding one or more accounts currently appearing on my credit reports.

Despite being marked as closed or resolved, NFCU continues to report 30-, 60-, and 90-day delinquencies. These derogatory marks are misleading and have not been verified or corrected despite multiple disputes. Additionally, there are discrepancies in how the account is reported across the credit bureaus, further suggesting a violation of the requirement for accuracy and completeness under federal law.

Legal Grounds for Complaint : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers must not report inaccurate or incomplete information to any consumer reporting agency. 
FCRA 1681s-2 ( b ) : Upon receiving notice of a dispute, furnishers are legally required to : Conduct a reasonable investigation ; Correct or delete inaccurate or unverifiable data ; Report the results to all CRAs receiving the data.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to reinvestigate disputed items within 30 days and delete unverifiable information.

FTC Advisory Opinion to F.T. Harris ( 1999 ) : Even if the information was accurate at one point, Section 623 ( a ) ( 2 ) requires a furnisher to update or correct information if it has become misleading in light of subsequent events.

Reporting delinquencies on a closed or paid account is materially misleading.

CFPB Bulletin 2014-01 : Requires data furnishers to : Investigate disputes fully and promptly ; Provide verification, not blanket re-reporting ; Cease reporting unverified or outdated information. 
Attached Documentation : Original dispute letters sent to Navy Federal and CRAs Certified mail receipts proving delivery of disputes Credit reports ( dated XX/XX/XXXX ) showing continued derogatory reporting post-account closure No adequate response or documentation provided by Navy Federal to date Dispute Timeline : Date Dispute Sent : [ Insert Date e.g., XX/XX/XXXX ] Certified Mail Delivery Date : [ Insert Date + USPS tracking number ] Last Reviewed Credit Report : XX/XX/XXXX Status of Furnisher Response : No correction or full verification provided These unresolved derogatory items continue to misrepresent my credit history, despite multiple disputes and no valid documentation from XXXX XXXX. I request that the CFPB investigate this matter promptly and compel a lawful resolution under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX is reporting a {$510.00} collection account for XXXX XXXX on my credit report. I did not authorize, open, or use this account. I discovered the fraud in XX/XX/year> when reviewing my credit report. I submitted an official FTC Identity Theft Report ( # XXXX ), which identifies this account as fraudulent. Reporting this account violates 15 USC 1681b ( no permissible purpose ) and 15 USC 1681a ( 2 ) ( A ) ( i ), which requires exclusion of identity theft-related data. This debt does not belong to me, and I never had an account with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tate and Kirlin Assoc
State: MO

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, attempting to collect on an alleged debt from XXXX XXXX for {$1500.00}. This letter contains multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : 1. False Representation of Legal Status ( 1692e ( 2 ) ( A ) ) The firm implies legal authority or judgment when none exists, misleading me into believing this is a legal matter.

2. Threatening Legal Action Not Permitted ( 1692e ( 5 ) ) The tone and format imply legal proceedings or enforcement, though no such action has been initiated.

3. Failure to Mark Disputed Debt ( 1692e ( 8 ) ; 1681s-2 ( a ) ( 3 ) ) I previously disputed this debt with the original creditor and credit bureaus, yet the firm is not reporting it as disputed.

4. No Debt Validation Notice ( 1692g ( a ) ) The letter fails to provide the required 30-day notice of my right to dispute the debt or request validation.

5. Use of Deceptive Means ( 1692e ( 10 ) ) The letter mimics legal correspondence from a law firm to intimidate and coerce payment.

6. Failure to Reinvestigate Disputed Information ( 1681i ) Despite fraud alerts and disputes already on file with credit reporting agencies, no reinvestigation occurred before attempting this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: PA

Complaint narrative:
b"My name is XXXX XXXX I need to appeal a dispute debit because I disagree with the landlord agency's response because the past due amount and default judgment are still in the appeal process it was transferred to the superior court and I need the dispute to be reopened for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and account the number is XXXX  and to be reinvestigated by reopening the disputes for all the parties for the whole due amount for $XXXX  and reference:XXXX  address is XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Update this need to be investigated and reopen and appeal again or dispute again so it can be reopen and investigation again because I already have send documents to XXXX XXXX of Hunter Warfield's Consumer Resolution Department at XXXX or via telephone at XXXX XXXX XXXX she claim she will get back to me or email me back about when its is reopen and investigation but she didnt get back to me with no decision when I call her to try to get a update she dont pickup or returns my calls back or email me back so I want yall to assign my issue to a new agent to work on it and dispute it and investigate it again and appeal it for all the parties that is listed and involved and remove it from all XXXX  credit bureaus and remove it from XXXX XXXX  and also remove it from any other reporting systems or reporting agencies for all XXXX  parties that is listed or included for us else and also remove it from any other systems or rental system or rental check system or landlord check system or management system or property manager system check etc etc here is cfbp complaint case number is XXXX and it been weeks and months and years I cant get ahold of her senses XXXX XXXX XXXX XXXX."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
My medical debt was paid by insurance company and now they put the debt on my credit report I want it removed from credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
My student loans with XXXX were XXXX dollars. They were transferred to Mohela without approval. Since with mohela, starting in covid save plan, my student loans jumped to XXXX dollars. From XXXX to XXXX dollars. This is ridiculous. I tried calling and they won't fixed any of it. Every month, they are adding interests to the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
XX/XX/XXXXXXXX  : I purchased medication from XXXX XXXX for {$2600.00}XXXX 

XX/XX/XXXXXXXX  : I discovered along with many other customers of XXXX XXXX that the pharmacy that XXXX XXXX sourced medication from, XXXX, is not licensed for sterile compounding. According to the Florida Department of Health ( XXXX # XXXX ), XXXX failed its sterile compounding inspection, did not follow proper procedures, and produced medications without authorization. Additionally, the pharmacy is not licensed to ship medication to my home state of California and is currently under active investigation and regulatory action by its states Department of HealthXXXX 

XX/XX/XXXXXXXX  : I opened a dispute with Capital One against XXXX XXXX for selling me misrepresented goods for {$2600.00}. I described the facts that came to my knowledge in XX/XX/XXXX. Despite sounding empathetic, the Capital One representative I spoke with wrongly classified my dispute as me simply wanting a refund. She made no note of the reason ( i.e. misrepresented goods ). This misclassification caused tremendous difficulties going forward. I am still fighting for my money back many tens of hours of work later, and months after the factXXXX 

XX/XX/XXXXXXXX  : Capital One denies my disputeXXXX 

XX/XX/XXXX : I reopen the disputeXXXX 

XX/XX/XXXX : Capital One denies my dispute, stating I did not provide requested information. The requested information was either provided ( suggesting Capital One did not read through it carefully ) or irrelevant. For example, Capital One asked me to show evidence XXXX XXXX would be willing to refund me. This ties back to the original incorrect classification made by the original representative. I purchased misrepresented goods and dangerous goods. I would like Capital One to help me process my charge back, but they are not helping. I reopen the disputeXXXX 

XX/XX/XXXXXXXX  : Capital One denies my dispute. I escalate the issue to a manager. The manager reads through my documentation and agrees that I should win. However, he states Capital One still refuses to process my charge-back. He advises me to go to small claims court, where he states I will likely win XXXX 

XX/XX/XXXX : I open a CFPB complaint ( I make a mistake on the address, and the CFPB complaint is closed without action. This CFPB complaint is numbered XXXX ) XXXX 

XX/XX/XXXX : I am opening a new CFPB complaint to correct my mistakes on the original. I am attaching the documentation already sent to Capital One, which they have not acted upon XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I have received a late payment on my credit report this is not accurate and was never late

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation information. Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: DE

Complaint narrative:
I was with XXXX and had a phone that wasn't working properly, so I asked for a replacement which I was entitled to. 
Plus they were only providing me XXXX service but charging for XXXX. 

They wouldn't do either one so I returned the phone to my local store and got a receipt. And then cancelled my service with them. 

I keep getting different Credit Agencies contacting me that I owe XXXX, which I don't. 

I Want It To Stop!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Correction under FCRA - XXXX Account To whom it may concern, I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. 
I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. 

I am writing to formally request an investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ) regarding an inaccurately reported account on my credit report. 

- Creditor Name : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Current Reported Status : " Paid, Closed. {$250.00} written off '' Dispute Reason : This account has been paid in full ; however, it continues to be reported as a " charge-off '' as recently as XX/XX/XXXX, which is inaccurate or misleading. It does not fairly reflect the resolution of the debt. I request that the status be updated to accurately reflect that the account is closed and paid with no balance and that the negative charge-off history be removed. 
A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate. 
I have enclosed a copy of my identification and proof of address to verify my identity enclosed a copy CFPB AND FTC Please complete this investigation within 30 days as required by the FCRA and provide me with written confirmation of the results. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-05-17 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: SC

Complaint narrative:
The accounts listed are not mine XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Inquiries : 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 explanation