vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Request for Removal of Paid Accounts from Credit Report Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request an investigation and removal of several paid and closed accounts that continue to appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and up-to-date information on their credit reports. I have settled these accounts in full, yet they remain on my report and are negatively impacting my credit profile. 

The following accounts have been paid and closed but are still appearing on my credit report : XXXX. XXXX XXXX XXXX ( Multiple accounts ) Date Opened : XX/XX/XXXX ( Closed ) Date Opened : XX/XX/XXXX ( Closed ) Date Opened : XX/XX/XXXX ( Closed ) Date Opened : XX/XX/XXXX ( Closed ) XXXX. XXXX XXXX of XXXX  Date Opened : XX/XX/XXXX ( Closed ) XXXX. XXXX Bank XXXX XXXX : XX/XX/XXXX ( Closed ) XXXX. XXXX ( XXXX  Card ) Date Opened : XX/XX/XXXX ( Closed ) XXXX. XXXX XXXX Date Opened : XX/XX/XXXX ( Closed ) XXXX. XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX ( Closed ) XXXX. XXXX XXXX  XXXX Date Opened : XX/XX/XXXX ( Closed, {$750.00} written off ) XXXX. XXXX  Date Opened : XX/XX/XXXX ( Closed ) According to the FCRA, information that is outdated, inaccurate, or no longer relevant should not be reported on my credit profile. These accounts have been fully satisfied and should not continue to appear, affecting my creditworthiness. 

I am requesting the removal of these accounts based on the following FCRA provisions : Section 605 ( a ) : Negative information, including closed and paid accounts, should not remain indefinitely.

Section 611 : I have the right to dispute inaccurate, outdated, or unverifiable information on my report.

Section 1681s-2 : Credit reporting agencies must ensure the accuracy of information provided.

Please investigate and remove these accounts from my credit report as they no longer reflect my current financial status. Enclosed are screenshots of my credit report for reference. I would appreciate a written response within 30 days as per the FCRA.

Thank you for your prompt attention to this matter. Please confirm in writing once these accounts have been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems LLC for Badcock is reporting erroneous information on an acct from XXXX. They are reporting this charged off account as if I currently opened this account in XXXX which is false. This was a charge off account in XXXX and acct was no longer reported as of XXXX. From XXXX to current I had XXXX to no collection from XXXX current. This account has not been reported in the past XXXX yrs. This account came off my credit in XXXX. I Bought a home in XXXX, 100 % VA approved $ XXXX. This Badcock acct was not on any of my credit reports at anytime during home buying and closing. I disputed this reporting with all XXXX credit bureaus XX/XX/XXXX with same documentation, XXXX and XXXX deleted it. XXXX is the only credit bureau reporting this account that has not reported in over 7 years. I am attaching my documents and also to show XXXX as well they did not report this count from XXXX to present. I want Jefferson Capital Systems LLC to stop reporting false information due to the company Badcock charged off account in XXXX and stop reporting. I want XXXX to remove it off my credit report immediately. My credit report is great. I have no problem in contacting SC XXXXXXXX XXXX XXXX XXXXXXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: IN

Complaint narrative:
I am filing a complaint against MRS BPO LLC for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, MRS BPO LLC sent a text message from the phone number XXXX to a member of my family, whose phone number ends in XXXX. The message was addressed to me, despite being sent to a third party. 

Under the FDCPA ( 15 U.S.C. 1692c ( b ) ), debt collectors are prohibited from communicating with third parties regarding a debt without my consent, except in very limited circumstances. This unauthorized disclosure of my personal information to a family member is a direct violation of my rights and has caused unnecessary distress and embarrassment.

I request that MRS BPO LLC be held accountable for this violation and that appropriate corrective action be taken. I also ask that the CFPB investigate this matter to ensure compliance with federal consumer protection laws.

Please confirm receipt of this complaint and inform me of any next steps. Thank you for your time and attention to this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
A charge was out on my credit report by an apartment complex in XX/XX/year>. I tried disputing several times as it doesnt belong to me. That balance was around {$5000.00} or a little over. Since then, another company is not reaching out and the amount is over {$9000.00} but is telling me is I settle the debt they will only charge me half of that amount. I do not know this other company. Neither did I give anyone permission to give to another source. They are now emailing me and mailing letters. Can you please help get this removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Last month I received my normal monthly statement from XXXXXXXX XXXX XXXX I decided to pay off the credit card since they have now started charging me a monthly fee to send a statement to me each month. I paid the total amount due in full plus an additional small amount for a purchase that had not been posted to my account yet. This month I received my new bill expecting it to be a XXXX balance but to my surprise there is a new charge of {$38.00} on my account. When I called Synchrony, I was told that the way they calculate interest it doesn't appear on the bill until a month later. This is an obvious rip off of consumers! When they send an invoice out with a balance amount clearly printed on the statement there is no reasonable explanation to send out another bill the next month for an additional fee. Clearly this is just a scam, and this company and bank should be exposed and punished for their deceptive tactics!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I recently discovered that an account was added to my credit report without my authorization. Under 15 U.S.C. 1681b ( FCRA Section 604 ), consumer reporting agencies may only furnish credit information for specific permissible purposes. 

I did not authorize the following account, nor do I find any legally valid permissible purpose that justifies its presence on my credit report : Account Name : XXXXXXXX XXXX Account Number : XXXX I disputed this with [ credit bureau name ], requesting verification of the permissible purpose under the Fair Credit Reporting Act ( FCRA ). However, I have not received proper validation, and the account remains on my report. 

This unauthorized reporting violates 15 U.S.C. 1681b, which restricts credit reporting to specific legal circumstances. If no valid permissible purpose exists, the account must be immediately removed to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, XXXX XXXX XXXX sent a text message from the phone number XXXX to a member of my family, whose phone number ends in XXXX. The message was addressed to me, despite being sent to a third party. 

Under the FDCPA ( 15 U.S.C. 1692c ( b ) ), debt collectors are prohibited from communicating with third parties regarding a debt without my consent, except in very limited circumstances. This unauthorized disclosure of my personal information to a family member is a direct violation of my rights and has caused unnecessary distress and embarrassment. 

I request that XXXX XXXX XXXX be held accountable for this violation and that appropriate corrective action be taken. I also ask that the CFPB investigate this matter to ensure compliance with federal consumer protection laws. 

Please confirm receipt of this complaint and inform me of any next steps. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
i am writing to formally dispute the negligent non-compliance regarding multiple accounts reported on my credit report. Over the last month, my credit score has been negatively impacted, resulting in a reduction of XXXX points, which I believe is due to errors and non-compliance in the reporting of multiple accounts. 

These accounts, which I do not have specific numbers for, appear to have been inaccurately reported or mishandled, leading to discrepancies that have unfairly lowered my score. It is my understanding that these issues XXXX stem from a failure to adhere to proper credit reporting standards or due to an oversight on your part. 

Given the significant impact this has had on my credit score, I request that a thorough investigation be conducted to review these accounts for any inaccuracies. I believe that the reduction in my credit score is a direct result of these errors, and I respectfully ask that any mistakes be corrected and that my score be adjusted accordingly. 

Although I do not have the specific account details, I am confident that a review of my credit file will reveal the issues in question. Please let me know if further information is required on my end. 

I have attached any relevant documentation, such as recent credit statements and other supporting documents, to assist with this investigation. I kindly request that you complete your review in a timely manner and provide me with the results of your findings, including any actions taken. 

Thank you for your attention to this matter. I look forward to a prompt resolution and correction of these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
As recent as XXXX XXXX and as early as XX/XX/year>, IQ data international made contact with me in reference to a debt that is not mine. I am on PSH housing program for XXXX individuals that covers my rent and utilities, as long as the apartment agency agrees to the terms of the assistance. For XXXX the XXXX XXXX XXXXXXXX XXXX XXXX to accept an additional amount of money from XXXX XXXX XXXX ( my housing agency ) to go towards utilities. When I left the apartments they said I owed them for an unpaid electricity bill. I never received Validation of the debt from the XXXXXXXX XXXX XXXX XXXXXXXX the apartment community, or IQ Data International, Everytime I have called to resolve this matter, the representatives have ignored my request for proof that I owe a debt, and they have done so in a rude, unprofessional, and verbally abusive manner, I am looking for a new apartment due to health issues, and this fraudulent charge reported on my credit is the only thing stopping me from getting an approval. I need this taken off of my credit report and IQ data needs to be shut down their employees are horrible and they should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section XXXX ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of EQUIFAX may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report.

Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C.

552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with EQUIFAX through CERTIFIED MAIL my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that EQUIFAX is held accountable for its obligations under the relevant statutes. 
Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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. Date Opened : XX/XX/XXXX XXXX XXXX : {$2400.00} Late/Open XXXXXXXX XXXX XXXXXX/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 non-monetary relief