vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
Statement Regarding Americor Debt Settlement Discrepancy Recently, Americor settled one of my accounts for {$2000.00}. The original debt was approximately {$2700.00}. At first glance, this may appear to be a 25 % savings ; however, once all associated costs are factored inincluding the {$580.00} in fees Americor, and the taxes I now owe on the forgiven debt due to IRS 1099-C reportingI am actually paying more than the original balance. 

I was initially informed that the fee for this settlement would be {$30.00}, yet I discovered repeated charges of {$100.00}. When I inquired, I was not given a clear explanation. In previous settlements, the fees were included within the monthly payment. In this case, they appear to have been deliberately disguised, lacking transparency. 

As a result, I feel misled and financially harmed. Not only did I not save money, but this settlement also severely impacted my credit. Multiple professionals have advised me to seek legal counsel due to the extent of the damage. 

Americors advertising claims that they help consumers settle debts for significantly less than owed. In my case, this is simply not true. After factoring in all costs and tax obligations, I am paying more than the original debt. I believe this constitutes false advertising and potentially fraudulent business practices. I have documentation to support all of these claims. 

I was also sued by a creditor and XXXX did nothing to help me. I had to settle the debt on my own. The only thing they did was sent me a link to a form to respond however they told me they would not negotiate with them unless they had {$8000.00} in my settlement account. I was able to settle with them on the side for {$5000.00} so they did not even try to settle with the creditors that were suing me in court at the time I had over {$1000.00} in my settlement account and they didn't even contact them to make monthly payment so I wouldn't be sued this significantly harmed my credit report. I will also get a 1099 for the amount of debt that was settled which they do not include that in in their advertising. 

I am requesting that this matter be reviewed and resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. XXXX  acct # : 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 2025-04-19 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: NY

Complaint narrative:
Subject : Demand for Immediate Correction and Deletion of Inaccurate Collection Account I am writing to formally dispute a fraudulent and inaccurate collection account reported by XXXX XXXX on my credit report, which is severely impacting my ability to proceed with a car purchase. This erroneous account indicates an incorrect debt of {$160.00} that I do not owe. I have no knowledge of this debt, nor have I given any authorization or acceptance of it. To address this fraudulent activity, I have filed a report with the Federal Trade Commission ( FTC ). The FTC has advised that such claims should be immediately ceased and desisted unless proper verification can substantiate the debt as mine. Under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide a method of verification. To date, this account has been reported without providing such verification, resulting in a violation of my rights as a consumer. Furthermore, this reporting violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to follow reasoned procedures to ensure the maximum possible accuracy of consumer reports. The inaccuracies in reporting this collection account on both my TransUnion and Equifax reports highlight a disregard for these requirements. I have also communicated directly with the debt collector, requesting evidence of this alleged debt. Specifically, I asked for documentation such as the original application bearing my wet signature, supporting the legitimacy of this debt. XXXX XXXX  has failed to provide the requested documentation. This inability to provide proof indicates the reporting of a fictitious account. In light of these significant errors and lack of verification, I am formally demanding the immediate blockage and deletion of this collection account from my credit reports. This action is not just a requestit 's a rightful demand for fairness and accuracy mandated by federal law. I expect confirmation of these changes within the five business days stipulated by the Fair Credit Reporting Act, along with a revised copy of my credit report reflecting these corrections. Thank you for your prompt attention to this urgent matter. Failure to adhere to this demand may result in further legal action, including complaints with appropriate consumer protection agencies, to ensure compliance and protection of my consumer rights. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PROVIDENT FUNDING ASSOCIATES
State: AR

Complaint narrative:
My mortgage holder is Provident Funding out of California. I have been having an ongoing issue with them applying additional priniciple payments made to my mortgage. I send one check at the end of the month that is for my regular mortgage payment for the following month so it gets there on time, and then I send a separate check on the following month that is strickly for additional principle for that month. They frequently tend to apply the additional principle amount as a " paying forward '' payment instead of as an additional priniciple payment. This, despite my indicating additional principle payment on the memo line of the check as well as sending in a payment coupon clearly marked " Additional Principle '' and the full amount indicated on that line of the coupon. I have been told everything from " those coupons are not for additional principle payments only '' to " why don't you just send the two separate checks in the same envelope so you save money on stamps? '' The most recent episode of this happened for XXXX. I sent in a coupon and check for my monthy mortgage at the end of XXXX to be applied for my XXXX payment. Then around the second week of XXXX I sent a coupon and check clearly marked XXXX Additional Principle. Provident split the additional principle check between a XXXX mortgage payment and only applied the remaining amount toward principle. I had to call them ( again ) to get it corrected only to be told I made a mistake by indicating on the check the word " XXXX '' in the memo section. XXXX was indicated as it was an additional principle payment for XXXX. Nothing on the check or the coupon indicated anything about applying any of it to a XXXX payment. This is NOT my first mortgage and I have always made additional priniciple payments. This IS, however, the only mortgage company I have dealt with that consistently applies the principle payment incorrectly. As I said, that has happened several times before and it is never their fault. Nothing on their web site indicates a " special '' way to send in an additional priniciple payment. And as I said, it gets applied correctly for a bit, and then they go back to applying it incorrectly. It makes me wonder if the payment numbers are even correct at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio
State: TX

Complaint narrative:
This account is more than 7 years old, and they fraudulently changed the date to make it appear as if it had been opened last year so it continues to appear in the records. The date that appears on the record as when the account was opened is FALSE ; that account was opened 7 years ago or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: WI

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal car loans, credit cards & other accounts. These are the accounts 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 non-monetary relief
Consumer complaint received 2025-04-19 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint against TransUnion for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding inaccurate reporting related to an account from XXXX XXXX XXXX XXXX. 

I have submitted multiple written disputes requesting TransUnion to validate the accuracy of this alleged debt and remove incorrect data from my credit report. My most recent dispute was submitted on XX/XX/XXXX. Despite these repeated efforts, TransUnion has failed to correct or remove a duplicate account from XXXX XXXX XXXX XXXX that was last reported in XXXX. 

This continued reporting of inaccurate and duplicative information violates FCRA 1681i ( a ) and 1681e ( b ), which require credit reporting agencies to conduct a reasonable reinvestigation and ensure maximum possible accuracy of consumer information.

TransUnions inaction has caused significant harm to my credit profile and financial opportunities. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, compel TransUnion to permanently delete the inaccurate and duplicative account, and pursue appropriate enforcement or damages for the long-term reporting of false data.

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 2025-04-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX - Blocking of information resulting from identity theft It states that a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft, not later than XXXX business days after receiving appropriate documentation and proof of identity. 

I am requesting immediate removal and blocking of the following inaccurate items : Inquiries XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. I have attached ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have recently learned that I have become a victim of identity theft, and am requesting that the information I have listed in my affidavit/demand to comply be removed immediately within four ( 4 ) business days of receiving this notice. In accordance with CRA 605B.

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 2025-04-19 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: MI

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report I request mat mis account be removed from my credit report XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC
State: TN

Complaint narrative:
I was offered to refinance my vehicle at the rate of 12.33 %. They knew what my credit score was, and they lied about the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I currently have a dispute with another lender over a single 30 day late report. 
Barclays Bank has twice lowered the credit limit on these accounts, artificially lowering my credit score in the last 5 months by over XXXX points. They have, for the second time lowered my credit limit. I did not ask for a credit limit the size of which I was given. Now, the highly substantial reduction has artificially raised the percentage of credit used on my credit report by almost 15 %, just using the Barclays reduction. 
I feel that it is vital to note that I have consistently maintained my obligations to Barclays, not having a single late nor incomplete payment for these accounts yet the moves by Barclays has had the most impact on my credit score. 
Yes, my total balances increased over a period of time on unsecured credit making it no business of theirs how these funds are being used as long as I meet my monthly obligations. Is this tactic being used because of age? 
There is not a single reason for these drastic changes yet Barclays is free to cause severe harm to my credit score and reputation. They gave me the credit lines without my request which in any other case would indicate the freedom to use the money. THIS IS NOT A GAME!

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> my checking account was charged {$260.00} for groceries from XXXX  delivery that I didn't authorized the order was canceled because XXXX noticed an charged that looked suspicious on the order they know me I filed a complaint with Truist bank which lead me back to XXXX who sent me an email saying the order was canceled no money had been taken from my account going back to Truist bank everyone I spoke to since XX/XX/XXXX until today XX/XX/year> I asked to speak with a manager not a supervisor they gave me XXXX if that was his real name they all gave me the same excuse as reading from a script " the analysis is doing a investigation because the amount is too large to put back into your account. It doesn't make any sense so if I deposit a large amount of money the will not put in my account I am XXXX XXXX XXXX I don't have money why am I being treated like this " XXXX XXXX '' and this is how im being treated just not fair. I think what has happened is someone in the bank took my money and are trying to cover it up they are investigating their own people. Consumer affairs tried reaching out to Truist and Truist bank refused to respond that lets me something is being thrown under the rug at my expense, I was over charged by XXXX XXXX and enterprises car rental, and XXXX, I did my own investigation and got my money back after going through the exact same thing with Truist, if i had to continue depending on Truist I will be still waiting on my refund. I don't want Truist bank to get away with keeping my money, I can't pay my car insurance and if it canceled I will lose my drivers license. I need help please and if necessary can I take further action whoelse has Truist bank done this too, everyone should speak up and stop letting people take advantage of them that way this will stop happening to people like me

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 2025-04-19 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX 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 Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened 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 non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am filing this complaint against Bull City Financials for violations of federal consumer protection laws. They have reported a collection account to the consumer reporting agencies without providing the legally required disclosures and validation information. 
XXXX. Violation of XXXX XXXX XXXXXXXX ( b ) ( XXXX ) : Bull City Financials failed to provide me with the required validation information for the alleged debt prior to placing it on my consumer report. Under this regulation, debt collectors must provide a detailed validation notice before taking any collection action, including furnishing information to credit bureaus. 
XXXX. Violation of XXXXXXXX XXXX XXXXXXXX ( c ) ( XXXX ) ( i ) : I have not been given an opportunity to dispute the debt, which is a direct violation of my right to request validation within the XXXX dispute window. No initial notice was received that included this right, and the account was reported without due process. 
XXXX. Violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : Bull City Financials is using misleading, deceptive, and unfair practices by furnishing data to consumer reporting agencies without fulfilling the legal obligation to notify and validate the debt. They have no authority to report any account until the proper disclosures have been made to the consumer as required by law. 

These actions represent clear violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that the CFPB investigate this matter and require Bull City Financials to remove the account from my consumer report until all legal requirements are fully met, including proper notice and debt validation.

Company response to consumer: Closed with explanation