vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this to report several fraudulent accounts on my credit report which i do not recognize. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXXXXXX 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Carvana Group, LLC
State: CO

Complaint narrative:
purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. On XX/XX/XXXX, the vehicle experienced a catastrophic engine failure while under warranty. Despite written promises to refund and repurchase the vehicle, Carvana took possession of the vehicle on XX/XX/XXXX and has failed to issue any refund to date. 
No written confirmation of the return was provided. Additionally, their financing partner XXXX has threatened or possibly submitted delinquency reports to credit bureaus despite the loan being subject to a full buyback. Carvana sent an agent to my home without notice with a release-of-liability contract I did not sign. 
These actions constitute deceptive business practices, breach of contract, and potential consumer finance violations Resolution Requested : - Full refund of down payment ( {$10000.00} ) and shipping fee ( {$1200.00} ) - Refund of all payments made to XXXX - Written confirmation of loan closure and no negative credit reporting - Formal written return confirmation - Additional damages for emotional distress, credit risk, and financial harm I have initiated XXXX arbitration. I am also filing this complaint to ensure formal record of this issue with relevant consumer protection bodies. 
Attachments available upon request : XXXX demand letter, correspondence, Carvana legal waiver, and refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This was not a late payment with Capitol One- I had paid it off took the autopay out as I had no balance, then thry come up with a {$6.00} charge XXXX DOLLARS!!! I have protecting my credit seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-05-20 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  my wife purchased a bed from cXXXX  After receiving a bed and trying to assemble it, I found how XXXX it was. Upon investigating, the bed didn't match the photos, it was not what we purchased. After investigating, I realized the business was just scamming people. We contacted US Bank about this because XXXX XXXX XXXX wouldn't respond to us about a return and refund ( on XX/XX/XXXX ). US Bank denied the chargeback so we reached out again. I provided information about their fake testimonials, my suppressed review, the timeline of our emails and the fact XXXX wouldn't respond to us regarding a return and refund. They denied us again. Not only are the fake testimonials and review suppression illegal, so is not charging tax when they only charge tax in Florida. US Bank will not refund our money and is allowing XXXX to continue to perpetuate their scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I am disputing an auto loan currently serviced by Community Bank , N.A . that was originated by XXXX XXXX XXXX in XX/XX/year>. I was pressured to sign documents without full disclosure and was not provided with a completed version of the contract at the time of signing. 

The version now on file with the lender contains an arbitration clause that I never saw or agreed to. It also includes a {$3700.00} service contract that I explicitly declined. After requesting records from Community Bank, I was sent a different version of the contract dated weeks later with the arbitration clause added. I believe my signature may have been forged or reused improperly. 

I attempted to resolve this with the dealership, who refused to provide documentation or cooperate. I then filed a dispute with the lender and requested all documentation. I also filed disputes with the credit bureaus under FCRA. 

This account is being reported on my credit and I am seeking its immediate removal due to fraud, forgery, and misrepresentation. I request that the CFPB assist in investigating this matter and enforcing my rights under the Truth in Lending Act and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I have recently discovered that I am a victim of identity theft, and multiple unauthorized accounts and inquiries have been reported on my credit file. These items were neither authorized nor initiated by me, and they do not reflect my personal or financial activities. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove all fraudulent accounts and inquiries associated with my identity. Enclosed, you will find a list of the disputed items along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

I kindly ask that you investigate these discrepancies and take the necessary actions to delete these fraudulent entries from my credit file at your earliest convenience. Please provide written confirmation once these corrections have been made. 

I appreciate your prompt attention to this matter and look forward to your timely response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft. Enclosed is a copy of my Identity Theft Report from the Federal Trade Commission ( FTC ), dated [ insert date ]. I have identified fraudulent information on my credit report regarding the following account : Creditor NameSECURITY CREDIT SERVICES : Account XXXXXXXX XXXX I want to make clear that I never signed any contract or authorized this debt. This account is the result of identity theft and is not mine. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete15 U.S.C. 1681s-2 Reporting inaccurate information knowingly 15 U.S.C. 1681c2 ( Section 605B ) Failure to block fraudulent information upon receipt of proper documentation 15 U.S.C. 1681b Obtaining or using my credit report without a permissible purpose Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692g Failure to properly validate debt 15 U.S.C. 1692c ( c ) Ignoring a cease-and-desist request 15 U.S.C. 1692d Harassing or abusive conduct information related to this fraudulent account from my credit file within the required timeframe of 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>XXXX  I submitted a complaint about information wrongfully being reported on my Equifax report. The investigation was automated and wasn't investigated by a human representative. I'm requesting for someone to see the proof and investigated that I wasn't notified before the information was reinstated onto my report. I'm going to attach my proof that the report was deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>XXXX  I submitted a complaint about information wrongfully being reported on my Equifax report. The investigation was automated and wasn't investigated by a human representative. I'm requesting for someone to see the proof and investigated that I wasn't notified before the information was reinstated onto my report. I'm going to attach my proof that the report was deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX XX/XX/year> To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Final Notice Failure to Validate Debt & Formal Demand for Deletion To Whom It XXXX Concern, I am writing in response to your letter dated XX/XX/year>, regarding accounts ending in XXXX and XXXX, which you claim were purchased from XXXX XXXX and XXXX Bank. 

You failed to provide the following documentation in response to my debt validation request, which is required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : A Bill of Sale or Purchase Agreement showing the transfer of ownership including my specific account, not a generic batch sale. 
A signed agreement or original application proving my legal obligation. 
A detailed breakdown of how the current balance was calculated, including all fees and interest. 

You also incorrectly claim that a contract with PRA is unnecessary to validate the debt. That is factually and legally incorrect. Courts have repeatedly held that a debt buyer must show a clear chain of title and documentation proving that they have standing to collect.

Your continued reporting of these accounts without proper validation constitutes : A violation of the FDCPA ( 1692e false/misleading representation ), A violation of the FCRA ( 1681s-2 ( b ) failure to properly investigate a consumer dispute ), and A deceptive and harmful act under state consumer protection laws. 

Accordingly, I demand the immediate removal of these accounts from all consumer reporting agencies. If these accounts are not deleted within XXXX business days, I will file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, the Better Business Bureau, and pursue legal action as permitted under state and federal law. 

This is your final notice. Cease all further communication unless it involves complete documentation, or notice of deletion. Any continued reporting without proper validation will be considered willful non-compliance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation