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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im submitting this complaint for repeated violations of the Fair Credit Reporting Act ( FCRA ) specifically Section 611 ( 15 U.S.C. 1681i ). 

On XX/XX/year>, I submitted a dispute regarding inaccurate personal information and an unverifiable collection account and included all required documentation : government-issued ID, utility bill, and detailed dispute explanation. 

Experian failed to provide a proper investigation or response. Instead, they returned template-generated letters requesting the same information that had already been submitted, which they would know if they conducted a proper investigation This is now my third dispute with no resolution, no investigation results, and no validation provided. 

As required by the FCRA, a reinvestigation should be completed within 30 days. The lack of response violates my rights under : 15 U.S.C. 1681i ( Failure to investigate ) 15 U.S.C. 1681n ( Willful noncompliance ) 15 U.S.C. 1681o ( Negligent noncompliance )

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have requested Experian to give me the Method of Verification for this account XXXX XXXX XXXX Sued me Court at the XXXX XXXX of Pennsylvania in XXXX XXXX of XXXX XX/XX/XXXX and and the case was dismissed. 


XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XXXX To : Experian XXXX  XXXX XXXX XXXX, TX XXXX RE : Method of Verification Request Account : XXXX XXXX XXXX Account Number : [ Insert if known ] Dear Experian, I recently submitted a dispute regarding the account listed above. You responded by stating that the item was verified and will remain on my credit file until XX/XX/XXXX. 

Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting the method of verification used to determine the accuracy of this item. Please provide the following information : 1. The name, address, and telephone number of the party that verified the account ; 2. A detailed explanation of the verification process used ; 3. Copies of any documentation you relied upon during the reinvestigation process. 



If you are unable to provide this information within 15 days, I request that the item be immediately removed from my credit report in accordance with the FCRA. 

Sincerely, XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, Capital One withdrew {$250.00} from my Capital One XXXX  account as an automatic payment toward a Capital One XXXX  card that is currently restricted and unusable. I did not authorize this transaction manually it was processed through autopay. 

I immediately contacted Capital One to request a reversal due to financial hardship and the fact that the XXXX  card is closed/restricted, and the payment did not unlock or reactivate the card. I explained that I urgently needed the money for transportation to my job, and that the payment served no functional purpose since the card remains unusable. 

Capital One refused to reverse the transaction or allow a dispute, stating that it could not be reversed because the XXXX  card is closed. As a result, I am left without access to the funds and no usable XXXX  line. This is causing serious harm to my ability to maintain employment, pay for essential transportation, and meet basic needs. 

I am requesting that the {$250.00} be refunded or credited back to my XXXX account as this withdrawal was automatic, not user-initiated, and applied to a restricted product that offers me no access or utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
During XXXX I put both of my mortgages in forbearance. XXXX  months later in XXXX of XXXX I submitted a request for assistance or XXXX  for my primary mortgage and a deferral on my second. 

TD Bank mishandled my deferral. It took until XXXX of XXXX when I was told it was not processed correctly. I then went through a Modification which the bank suggested and this time was told the monthly bill would 3 times higher. This was not something I could afford. I was then told to submit an XXXX. In XXXX I was told the loan was charged off. I was told this was done by error and to call back in a month. In XX/XX/XXXX I was told to submit and XXXX again. In XXXX the bank said they closed the request because I did not submit some requested documents which I did submit. 

I was then told they received my docs and it was being routed. That took XXXX  months. Then I was denied an XXXX. So I was told again in XX/XX/XXXX to submit another XXXX. I did and followed up. Normally the response time is 30 days or less. I called many times and was told over and over again that they did not understand what was taking so long. 

I followed up until through XXXX and then mid XXXX this year I was told the loan was again charged off. This time though there was no going back. The bank never denies this but at the same time refuses to address this fact that my credit is destroyed. They will refuse to address this. This XXXX mortgage is XXXX Which means this will be on my credit report for XXXX  years because I cant pay all of that now. The bank has wrecked my credit and is taking zero responsibility.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are several inquiries being reported on my consumer. I did not give authorization for these inquiries nor do I have accounts related to them. The inquires being reported are as follows : XXXX added on XX/XX/XXXX XXXX XXXXXXXX XXXX added on XX/XX/XXXX XXXX XXXX XXXX added on XX/XX/XXXX XXXX XXXX XXXXXXXX  added on XX/XX/XXXX XXXX added on XX/XX/XXXX XXXX added on XX/XX/XXXX XXXX XXXX added on XX/XX/XXXX I demand all of these to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX, XXXX  - {$440.00} This Company has false information never lived in that area I've tried numerous of time to dispute this matter the dates of the account being open keeps changing I even tried calling the company to tell them my identity has been stolen nothing was helpful XXXXXXXX XXXX XXXX showing up on my credit report as collections I NEVER VERIFIED ANY OF THESE ACCOUNTS

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Inaccurate Repossession Entry Dear Sir/Madam, I am writing to formally dispute an inaccurate and incomplete entry on my credit report related to a repossessed vehicle. The account in question is being reported with an incorrect balance and without proper notice regarding the vehicles sale, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Account : XXXX Account Number : n/a Reasons for Dispute : 1. Inaccurate Balance : The creditor failed to update the balance on this account after the vehicle was sold at auction. The reported balance is inflated and does not reflect the proceeds of the sale, which should have been applied toward the account. This constitutes inaccurate reporting and must be corrected or removed.

2. Lack of Required Notification : I was never provided with a notice of sale or a redemption opportunity after the repossession. This is a violation of my rights and applicable state and federal laws, including requirements under the Uniform Commercial Code ( UCC ) and the FCRA.

3. Failure to Provide Documentation : I have not received any documentation verifying the balance due or confirming that proper procedures were followed in notifying me about the sale. Without verifiable evidence, this item must be removed under Section 609 and Section 611 of the FCRA.

I am requesting that this entry be thoroughly investigated and permanently removed from my credit report due to the creditors failure to provide accurate and complete information. 

Please send me written confirmation of the results of your investigation and, if applicable, an updated credit report reflecting these changes. 

Thank you for your prompt attention to this

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding LLC Subject : Formal Dispute of Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity of an account appearing on my credit report : LVNV Funding LLC Account # XXXX. I have no recollection or record of opening or authorizing this account and did not receive any prior notice or opportunity to dispute the debt in question. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the following : Verification of the debt, including the original contract or agreement bearing my signature. 

Proof of prior written notice sent to me, including certified mail or other evidence confirming my receipt and acknowledgment. 

If you are unable to provide this documentation within 30 days, I request that you immediately delete account # XXXX from all credit reporting agencies to avoid further action. Failure to validate the account and continued reporting may result in legal action for violations of the FCRA and any other applicable state or federal laws. 

Please respond to this letter in writing. I am also requesting that all communications be made in writing to maintain proper documentation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The following accounts are not mine and are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
For the past XXXX  years I have been trying to correct issues with " losses '' reported by USAA. A claim was placed when I called to ask generic questions. They report they do so for tracking. This " claim '' with zero investigation, initiation or action resulted in me being denied for home insurance. I also have a XXXX XXXX XXXX blanket insurance policy with USAA. Prior to any jewelry claims I was informed these would NOT go against me nor affect any other insurance products. The claims I did have were marked incorrectly therefore increasing " risk ''. I have called countless times and they report they can not fix these old claims and it must be done by the adjuster, whom no longer works there. One claim was a XXXX XXXX I lost while removing my motorcycle helmet. They gave me a mere {$150.00} to replace it ... which it did not. The earrings alone were over {$600.00}. This claim is marked as PHYSICAL DAMAGE OR VEHICLE CAUSED DAMAGE LOSS. For XXXX years I have been overpaying for insurance and consistently denied for insurance due to " unacceptable loss history. '' If I had not been lied to by USAA and told my XXXX policy would not affect me then I would have never filed a claim for a mere {$150.00} to be price gouged and denied insurance for years to come. I have called and complained and after XXXX  years was given a letter stating there was no claims against my property and to provide it to insurance providers. This does nothing. I have disputed with XXXX XXXX to be left in the dark. I have never been called back by USAA despite promises. There has been no corrections. There are no documentation on my USAA account regarding these old " losses '' but instead claims from XXXX years ago are filed against my HOMEOWNERS insurance. I do not have homeowners insurance and the XXXX  policy is a standalone policy. I am beside myself as every year my insurance continues to increase because of USAA. My homeowners has QUADRUPLED in XXXX years. I can not afford to live. This is unjust!

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 — Information belongs to someone else
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: TX

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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: LA

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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I noticed a credit inquiry on my report that I did not authorize. I never gave permission for this company to access my credit, and to my knowledge, there was no permissible purpose for them to do so.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im writing to dispute an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act. The information does not meet the standard of maximum possible accuracy, as required under the FCRA.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance : {$7500.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$3300.00} Open Date XX/XX/XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance : {$0.00} Open XX/XX/XXXX XXXXXXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Date XX/XX/XXXX 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXX XXXX To : Creditor or Debt Collectors Subject : Formal Request for Debt Validation Pursuant to 15 U.S.C. 1692g Dear [ Debt Collectors Name or To Whom It May Concern ], This letter is sent in response to your recent communication regarding an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

In accordance with my rights under federal law, I request the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a complete breakdown of any fees, interest, and charges.

3. Verification and validation of the alleged debt, including : A copy of the original signed contract or agreement bearing my signature. 
Proof that you have legal standing to collect this debt. 
Documentation showing the chain of assignment ( if applicable ). 
A complete payment history of the alleged account.

Please be advised of the following : Under 15 U.S.C. 1692g ( c ), any collection efforts made without proper validation may be considered a violation of federal law.

Under 15 U.S.C. 1692e, it is unlawful to make false, deceptive, or misleading representations in connection with the collection of a debt.

I request that all communication be in writing. You are hereby notified to cease and desist all phone calls to my home, place of employment, or cell phone, in accordance with 15 U.S.C. 1692c ( c ).

You may not report this account to any credit bureau until you have provided full validation. Reporting invalidated debt is a violation of the Fair Credit Reporting Act ( FCRA ).

If you fail to respond with adequate proof within 30 days of receiving this letter, you forfeit any claim you may have and must cease all collection activity. Any further action on your part without proper validation will be considered willful noncompliance, and I will not hesitate to report such violations to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or pursue legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely,

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There Is an unauthorized collection ( XXXX XXXX XXXX XXXX ) on my credit report that Is breaking Law 15 U.S. Code 1681b ( permissible purposes ) one of the key points Is that collection agency must not report my information without my consent unless It fall under permissible purposes, such as court order AND written instructions from me the consumer.

U.S. Law 12 CFR 1006.34 ( C ) ( i ) Law 12 CFR 1006.6 ( c ) Law 15 USC 1681 ( e ) ( b ) Law 15 USC 1681s-2 ( A )

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation