vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not authorize this merchant to pull my credit in any type of way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, during a call with Experian at approximately XXXX XX/XX/XXXX, I explicitly stated that I was not disputing any accountsonly inquiries. Despite this, Experian proceeded to remove multiple positive accounts from my file without cause or authorization. 

On XX/XX/year>, I made more than XXXX additional calls to Experian in an attempt to correct the error. I uploaded a formal letter, valid identification, and a XXXX XX/XX/XXXXstatement to support ownership of the affected accounts. Yet, Experian failed to escalate or resolve the matter. 

As a result of Experians negligence and failure to properly address this issue, I have suffered measurable harm including loss of funding for my business, damage to my credit, and severe emotional distress. I am no longer waiting for Experian to voluntarily resolve this issue. Legal action is already being initiated through XXXX XXXX XXXX, and this letter will be submitted as part of my formal complaint. This situation could have been prevented had Experian listened and responded appropriately on XX/XX/XXXX. 

I am demanding : XXXX. Full reinstatement of all erroneously deleted accounts XXXX. Written confirmation that this has been corrected in your system XXXX. Compensation in the amount of {$12000.00} for damages related to funding loss, credit harm, and emotional distress This is no longer a warning of potential litigationlegal action is underway.

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 2025-04-15 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: CA

Complaint narrative:
XXXXI am formally disputing the following negative items on my credit report:   Name: XXXX XXXX    Also Known AsXXXX XXXX XXXX    Current Address(es): XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXThese entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.\nUnder the Fair Credit Reporting Act (FCRA), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
Ive been disputing this account with Northstar Location Services since a while. I sent a detailed dispute letter requesting validation of the debt and proof of assignment under FDCPA 809 ( b ) / 15 U.S. Code 1692g, and later sent a formal Cease and Desist letter under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ) .see my letters attached as proof. 

On XX/XX/year>, I received a letter from XXXXXXXX XXXX XXXXonfirming that they still own the account and have not sold it or assigned it to Northstar or XXXX. Despite this, both Northstar and XXXX have continued to contact me and threaten legal action against me! 

These companies are trying to collect on a debt that they clearly do not own, and theyve ignored my cease and desist request. This behavior violates multiple sections of the FDCPA, including : XXXX Misrepresenting the legal status or ownership of a debt XXXX Using unfair collection practices 805 ( c ) Continuing to contact me after I asked them to stop Ive tried multiple times to resolve this directly, but they continue to ignore the law and cause unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-16 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: NV

Complaint narrative:
I asked for this information to be removed in XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Velocity Portfolio Group
State: OH

Complaint narrative:
Velocity Investments obtained a default judgement by having XXXX XXXX file for the lawsuit through my court. 

The default judgement is for an old account that went into forbearance in XXXX  and the original creditor has removed the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I sent a debt validation letter to Portfolio Recovery Associates LLC asking them to verify a debt that they are suing me for. I have not received anything back from them but I did receive a notice from the District Court Of Maryland for XXXX XXXX Case number XXXX for XX/XX/year> at XXXX. 

I have not received knowledge of this debt or this company. They are trying to put a lien on my home. 

I was never served by anyone. Never signed a summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I withdrew and immediately deposited {$500.00} cash back into a Bank of America ATM using my XXXX XXXX debit card. The ATM is located at the XXXX XXXX XXXX, XXXX airport. This transaction was done between the hours of XXXX XXXX during our flight layover. My wife and myself contacted both banks multiple times asking for help or any information on when we would receive our deposit, as the ATM screen showed a message saying it would be deposited up to 5 business days later. XXXXXXXX XXXX told us to call Bank of America since they could not see a pending deposit. Bank of America told us to call XXXX XXXX and check with them once again. On the last conversation with a representative from Bank of America, they informed me that they indeed found both the withdrawal and deposit transactions after giving them the debit card number, location and time that the transactions happened. I was told to " give it until the end of the week and keep checking back if you don't see it pending ''. This was about 3 weeks after the transaction. Now it is one month later and our {$500.00} STILL has not been deposited or shown pending in our XXXX XXXX account.

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 2025-04-16 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  Experian

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 2025-04-15 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: FL

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my report. Please remove these accounts, which are hurting my ability to get credit. This is against the FAIR CREDIT ACT. Please, I would like this removed so I can get credit.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Today I spoke with a lady from trans union and she told me give her like XXXX weeks for be remove from my credit but I been hear years since the promise. Just please help me to fix my account I paid in full the balance. They pronto removing in 30 days since is being paid and is been years. The only thing they offer is oh if u need to XXXX XXXX is 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 2025-04-15 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi there, I recently reviewed my credit report and was shocked to find several inquiries listed from companies Ive never dealt with. I did not authorize these checks, nor have I applied for any credit that would justify them. This is extremely concerning and raises serious questions about how my personal information is being handled.

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 2025-04-16 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:
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 explanation
Consumer complaint received 2025-04-16 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: TX

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 2025-04-16 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: FL

Complaint narrative:
CFPB PERSONAL STATEMENT REQUEST TO REMOVE FRAUDULENT INFORMATION FROM CREDIT REPORT I am writing to formally dispute fraudulent accounts on my credit report in accordance with 15 U.S.C. 1681c-2 and to request that this information be immediately blocked. Enclosed is a copy of my police report and FTC Identity Theft Report ( FTC Report Number : XXXX ) as required to support my claim of identity theft. 
Under the law, once an identity theft report is submitted, credit reporting agencies are required to block the identified fraudulent information within XXXX business days. 
The following accounts on my credit report are the result of identity theft and should be blocked : [ XXXX ] [ XXXX XXXX  XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I request that these accounts and any related inquiries be removed from my credit report immediately. These fraudulent entries have severely impacted my ability to secure housing for my family. I have contacted the credit bureau multiple times regarding these accounts, yet no resolution has been provided. 
Additionally, I requested documentation from the companies reporting these accounts, including signed contracts or any evidence linking me to the accounts. It has been over XXXX  days, and I have not received any response. 
These accounts have already been deleted or unverified by other credit bureaus, which further confirms they are fraudulent. I urge you to take immediate action to correct my report. 
I trust that with the enclosed documentation, you will resolve this issue in compliance with federal law. Thank you for your attention and prompt response to this matter.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-15 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief