vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. 
The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$490.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Two-Year payment history XX/XX/XXXX late 30 days XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4.00} Date Opened : XX/XX/XXXX Date Last XXXX Two-Year payment history XXXX and XX/XX/XXXX late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Closed Account XXXX referring to LVNV Funding LLC and XXXXXXXX XXXX XXXXXXXX according to 15 USC 1681i ( 7 ) please provide a description of the reinvestigation procedure. I am asking for the method of verification as well as the description of the procedure. Also all the documentation you have retrieved during your investigation that proves the information is reported accurately. Please provide this within 15 days or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, XXXX unauthorized debit card charges of {$100.00} each occurred at XXXX XXXXXXXX XXXX XXXXXXXX ( total {$320.00} ). I immediately filed a police report with the Colorado XXXX Police Department ( Report XXXX. XXXX ) after receiving a fraud text alert from USAA. 

I submitted the police report and a sworn statement to USAA. However, USAA denied my fraud claim XXXX  ( most recently on XX/XX/year>, Dispute ID XXXX ). Their stated reasoning was that the transactions used a chip-enabled card. That rationale does not prove that I authorized the charges or was present at the store. My card was compromised. 

USAAs investigation failed to properly consider the police report or the fact that I have never shopped at this XXXX XXXX. By law, financial institutions must conduct a reasonable investigation of reported fraud and provide provisional credit when appropriate. USAA has not met these obligations. 

I am requesting that the CFPB require USAA to : Reimburse me for the {$320.00} in fraudulent transactions. 

Provide all documentation used in their denial. 

Ensure that my case is reviewed fairly and in compliance with consumer protection laws.

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 2025-09-11 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: Colony Brands, Inc.
State: AL

Complaint narrative:
XXXX XXXX Account XXXX  : Reported Balance : {$210.00} Charge-Off Date : XXXX XXXX, XXXX Dispute Points : XXXX. Account reports late payments after charge-off date inaccurate. 
XXXX. Balance vs. credit limit inconsistent ( {$210.00} balance with {$0.00} limit ). 
XXXX. Past due amount reported incorrectly. 
XXXX. Account closed but still reflects ongoing derogatory marks. 

Request : Correct or delete this account. 

B. XXXX XXXX XXXXXXXX XXXX XXXX : Reported Balance : {$650.00} Charge-Off Date : XXXX XXXX, XXXX Dispute Points : XXXX. Account continues to report late payments after closure/charge-off. 
XXXX. Balance and utilization inaccurately reported ( 163 % ). 
XXXX. Duplicate remarks ( " profit and loss write-off '' and " account information disputed by consumer '' ). 
XXXX. Past due status is misleading after charge-off. 

Request : Correct or delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$3500.00} Reported XXXX XXXX, XXXX Dispute Points : XXXX. Duplicate remarks ( " Placed for collection '' listed XXXX  ). 
XXXX. Account incorrectly reported as " XXXX '' though it's a collection. 
XXXX. No closure or status update date provided. 
XXXX. XXXX and highest balance reporting inconsistent. 
XXXX. Request validation of debt from original creditor ( XXXX XXXX 

Request : Correct or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kovo
State: SC

Complaint narrative:
In my letter, I disputed the alleged debt and requested documentation proving that I owe it, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company has continued collection activity, including resolved immediately removed in XXXX business days This is a violation of my rights under the FDCPA because they are attempting to collect without providing proper validation and ignoring my cease-and-desist request. I am requesting that the CFPB require this company to stop all collection activity until they provide full validation of the alleged debt, and to correct any inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am contesting the late payment and delinquent remarks that have been reported. These are incorrectmy payments were made on time or as previously arranged. Please revise the account to XXXX XXXX XXXX  and remove any delinquency information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX -Balance {$240.00} -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$870.00} -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$800.00} -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-09-11 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: OH

Complaint narrative:
Remov the accts from my report, inacurrate info. The vehicle was repossed and still showin open and on tim. Proff of repossesion has been provided per creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
I am writing to formally request a reinvestigation of a charge-off listed on my credit report under the account referenced above. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. I believe this reporting may be inaccurate or incomplete, and I am requesting that your office reinvestigate this item. Please verify the following : The accuracy of the reported balance, dates, and payment history. 
That the account is being reported in compliance with all federal and state laws. 
That the creditor has provided documented proof that this account is valid, accurate, and legally enforceable. 
If the information can not be verified within the required time frame ( 30 days ), please remove this charge-off from my credit report as required under the FCRA. 
Please send me the results of your reinvestigation in writing. 
Thank you for your prompt attention 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 2025-09-11 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: SC

Complaint narrative:
I am writing to formally request a reinvestigation of a charge-off listed on my credit report under the account referenced above. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable. I believe this reporting may be inaccurate or incomplete, and I am requesting that your office reinvestigate this item. Please verify the following : The accuracy of the reported balance, dates, and payment history. 
That the account is being reported in compliance with all federal and state laws. 
That the creditor has provided documented proof that this account is valid, accurate, and legally enforceable. 
If the information can not be verified within the required time frame ( 30 days ), please remove this charge-off from my credit report as required under the FCRA. 
Please send me the results of your reinvestigation in writing. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC
State: NE

Complaint narrative:
This complaint involves a coordinated scheme between three related entities to evade consumer protection laws through : Regulatory arbitrage - Characterizing subscription services as installment contracts to avoid applicable consumer protections Systematic cancellation obstruction - Creating artificial barriers to legitimate cancellation requests through bureaucratic ping-pong Debt collection violations- Continuing collection activities during active disputes and failing to conduct required investigations Repeat offender conduct - Entities with documented prior enforcement history continuing substantially similar violations The coordinated nature of these violations, combined with extensive documentation showing months of bad faith dealing and evolving corporate explanations, demonstrates the need for comprehensive regulatory intervention and enforcement action against all three entities. 

UGA Finance operates as the financing entity behind this disputed arrangement ( documented as " Universal Account Servicing , LLC d/b/a UGA Finance '' in contract materials ) and has failed to properly investigate legitimate disputes while continuing to facilitate collection activities on a fundamentally flawed transaction. 

UGA Finance violations include : Facilitating unlawful financing arrangement - The underlying " contract '' operates as a subscription service with quarterly deliveries ( as admitted by the merchant ) while being characterized as an installment contract to evade consumer protection requirements- a form of regulatory arbitrage Failing to respond to dispute documentation - Despite receiving comprehensive documentation of fraudulent inducement and regulatory violations on XX/XX/year>, UGA has provided no substantive response to the underlying legal issues Enabling systematic consumer harm - UGA continues to facilitate billing and collection on a contract that was induced through documented material misrepresentations about product exclusivity Prior enforcement pattern - UGA 's documented connection to Universal Guardian Acceptance, which faced prior FTC enforcement action for similar debt collection and financing violations, suggests a pattern of regulatory disregard Pattern of Regulatory Disregard : The fact that UGA/related entities have faced prior federal enforcement action for similar practices, yet continue engaging in substantially similar conduct, demonstrates willful disregard of regulatory requirements and enforcement orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MI

Complaint narrative:
This collection account has been previously removed off of my credit report and now has been reapplied by the same debt collection company looking to collect a debt that does not exist. " XXXX XXXX XXXX XXXX is in pursue of a debt that they WILL NOT verify after I requested : the assignment contract, debt validation, and ownership of this debt and having the legal right to collect said debt. The said debt does not exist and they have NO legal right to have access to my credit file with any credit bureau : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX a debt on behalf of XXXX XXXX XXXXXXXX which has undergone bankruptcy and no longer is in business. Ive asked them several times to provide said documents and I have yet to receive anything validating any debt or debts ; I was told they sent some forms out in XXXX of XXXX  and I HAVE NOT received a thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, a pending charge of {$1100.00} from XXXX XXXX appeared on my Capital One account. This transaction was not freely authorized. It was obtained under duress and without proper notice of default or an opportunity to cure, which are required under Massachusetts law. 

I contacted Capital One and invoked my rights under the Electronic Fund Transfer Act ( XXXX XXXX XXXXXXXX ) and the Fair Credit Billing Act ( XXXX XXXX. XXXX ) to stop payment and ensure I would not be held liable. Capital One refused, telling me only the merchant could stop the pending charge, and did not provide written confirmation of protection. 

This left me exposed to liability for an unauthorized charge. I request that Capital One reverse the {$1100.00} transaction, block any further billing attempts by XXXX XXXX, and confirm in writing that I will not be held responsible while the matter is under investigation. 

I never received any written notice, default letter, or opportunity to cure from XXXX XXXX before they attempted to take {$1100.00} from my Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. 
The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the XXXX XXXX XXXX conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction.

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