vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XX/XX/XXXXXX/XX/year> - {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
This is a new complaint regarding Columbia Debt Recovery LLC ( dba Genesis ). I previously submitted a complaint XXXX on XX/XX/XXXX, but it was closed because the company responded. However, that issue remains unresolved. This is related to a fraud collection {$87.00} from 'XXXX  ' that I wasn't aware of. 

On XX/XX/year>, I sent all documents they requested to their compliance department, including : A police report from XXXX XXXX My mortgage statement proving I live in XXXX, not XXXX  A copy of my drivers license I have not received any reply from them. The fraudulent collection account is still on my XXXX  and XXXX  credit reports, and it continues to harm my credit score. This has already affected my ability to apply for a new credit card and will likely impact any future mortgage applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
XX/XX/XXXX Date opened, XXXX XXXX XXXX LATE PAYAccount info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment XX/XX/XXXX, late XX/XX/XXXX status, XXXX XXXX XXXX XXXX PAYMENTBalance {$0.00} Balance updated XXXX XXXX, XXXX Original balance $ XXXX number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment late XX/XX/XXXX inaccurate incorrect reporting open and close accounts still reporting XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Issue : Incorrect information on your report Company Names : Experian TransUnion What happened : I previously disputed multiple student loan accounts appearing on my credit reports under the XXXX  XXXX XXXX XXXX These accounts reflected serious inconsistencies, such as differing balances, payment statuses, and opened dates across the credit bureaus. 

As of XX/XX/year>, XXXX  has completed its reinvestigation and confirmed full deletion of the following accounts due to unverifiability or inaccuracies : Account Numbers ending in * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX This deletion strongly supports my claim that these tradelines are inaccurate or unverifiable. However, TransUnion and Experian continue to report these accounts without providing documentary evidence or validation of their accuracy. 

This is a direct violation of the Fair Credit Reporting Act ( XXXX  ) : XXXX ( b ) : Failure to maintain maximum possible accuracy XXXX ( a ) ( XXXX ) ( A ) : Failure to delete unverifiable information XXXX ( a ) ( XXXX ) : No description of the method used to verify information has been provided XXXX ( a ) ( XXXX ) : Data furnishers failed to correct or delete disputed 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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: MN

Complaint narrative:
I called Americollect today XX/XX/year> who I have been paying XXXX a month automatically for a medical debt. I wanted to change the date of my payment. They wouldn't even give me a balance as I objected to paying their {$1.00} fee. I asked them to stop taking the payments automatically in that case and they wouldn't do that without the fee either. I asked for a supervisor. Was put on hold for 5 min. Was told that none were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: VT

Complaint narrative:
I purchased approximately {$170.00} in XXXXXXXX XXXX  cards using XXXX between XXXX and XX/XX/year>. Shortly afterward, XXXX suspended my account without notice, which made it impossible for me to access or use the gift cards I paid for. 

I attempted to resolve the issue directly by contacting XXXX XXXX XXXX XXXX team multiple times. Despite my efforts, they refused to assist me and eventually stopped responding. I then contacted XXXX to request a refund or other resolution, but they also refused to help, claiming that it was XXXX fault and was outside their responsibility. 

I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  but have not received any helpful response or resolution from either company. 

At this point, I am out {$170.00} with no access to the funds or services I paid for, and both XXXX and XXXX have effectively closed the door on any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
Issue : Incorrect information on your report Company Names : Experian TransUnion What happened : I previously disputed multiple student loan accounts appearing on my credit reports under the XXXX  XXXX XXXX XXXX These accounts reflected serious inconsistencies, such as differing balances, payment statuses, and opened dates across the credit bureaus. 

As of XX/XX/year>, XXXX  has completed its reinvestigation and confirmed full deletion of the following accounts due to unverifiability or inaccuracies : Account Numbers ending in * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX This deletion strongly supports my claim that these tradelines are inaccurate or unverifiable. However, TransUnion and Experian continue to report these accounts without providing documentary evidence or validation of their accuracy. 

This is a direct violation of the Fair Credit Reporting Act ( XXXX  ) : XXXX ( b ) : Failure to maintain maximum possible accuracy XXXX ( a ) ( XXXX ) ( A ) : Failure to delete unverifiable information XXXX ( a ) ( XXXX ) : No description of the method used to verify information has been provided XXXX ( a ) ( XXXX ) : Data furnishers failed to correct or delete disputed 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 2025-05-23 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-05-23 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.

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 2025-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHACON AUTOS, LTD.
State: TX

Complaint narrative:
As a former employee, Chacon Autos abuses and violates their customers with multiple calls to customers daily/weekly in attempts to collect. We are forced to call customers daily, even with directly communicating with them regarding their XXXX. Despite contact being made, if an arrangement or payment is not initiated, we are required to still call. This includes contacting clients on their personal & employer numbers. Not only do customers receive constant calls, they are sent XXXX  alerts regarding updates on missed/upcoming payments. Most customers are not aware their rights are being abused, nor do they have the knowledge to know they can request for calls/XXXX  to seize. Even when contact has been initiated by another agent/department, we are advised to still call even if the previous call was within 10-15mins. We are not given scripts that advise the call is an attempt to collect a debt. The only time an account is marked as XXXX is if the customer requests the number to be removed specifically. We do not use trigger words that indicate we should suggest the option to a customer or complete the request. There have been instances where customers have requested to not be contacted regarding joint accounts and are advised that can not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: LA

Complaint narrative:
Duplicate and Inaccurate Reporting by XXXX XXXX FCRA & FDCPA Violations I am filing this complaint regarding an account reported by XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXX. This same debt is already being reported on my credit file under a separate XXXX XXXX tradeline, resulting in duplicate reporting. 

The following issues are present : Duplicate reporting of the same debt, once with and once without the original creditor name this creates an inflated view of my obligations.

Balance exceeds high credit, which raises concerns about the legitimacy and accuracy of the reported amounts.

No payment history is shown to support the derogatory status or the balance increase.

These issues violate : FCRA 607 ( b ) Must ensure accuracy and completeness FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting known inaccurate info FDCPA 807 ( 2 ) ( A ) False representation of the character or amount of debt I am requesting a full investigation and, if this account can not be verified with full accuracy and clarity, immediate removal from all credit reporting agencies.

Thank you for your assistance.

DUPLICATE REPORTING LEGAL GROUNDS - FCRA 607 ( b ) Accuracy of Information Credit bureaus must maintain the maximum possible accuracy in credit files.

- Reporting the same account twice even with minor differences ( like the original creditor shown ) causes data inflation and misrepresents the consumers obligations.

- FDCPA 807 ( 2 ) ( A ) False Representation A debt collector may not falsely represent the character, amount, or legal status of a debt.

- Reporting the same account under two separate tradelines is deceptive and could appear as two separate debts, violating this section.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibition of Reporting Inaccurate Info A furnisher shall not furnish information relating to a consumer that is known to be inaccurate.

Duplicate data creates scoring suppression and misleads potential creditors.

Additional Inaccuracies in This Tradeline High Credit vs Balance Conflict High Credit : {$4000.00} Balance : {$6900.00} - The balance should not exceed the highest credit limit unless it's been inflated with fees or interest which still must be reported clearly.

- FCRA 607 ( b ) violation misleading reporting.

No Payment History Account shows derogatory/collection status but has no supporting history across the 24 months.

- Missing payment history for a collection tradeline can be incomplete or unverifiable under FCRA 611 ( 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
incomplete or inaccurate information in my credit file and personal information

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 2025-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, I made a payment of {$1700.00} to a business named XXXX XXXX for an online program called XXXX XXXX. 

After reviewing the program, I found it did not meet what was advertised or promised. I then filed a dispute with Capital One for services not provided as agreed. 

After filing my dispute, I attempted multiple times to reach out to the business via email and phone to resolve the issue, but received no response. Following my dispute, I was also removed from the program without explanation. 

The business later submitted a receipt and agreement to Capital One that I was never personally provided at the time of purchase. I informed Capital One that I never received these documents, and supplied them with my evidence, including : My Capital One statement showing the charge Multiple emails and call logs showing my attempts to contact the business A timeline of events Despite this, Capital One denied my dispute without properly considering my evidence or the fact that the merchant provided documentation I never received. 

I am requesting the CFPB to investigate this matter and have Capital One reopen my dispute and properly review all supporting materials, as I did not receive services as agreed and was treated unfairly in the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I'm working with a lender on a home purchase, but they can't access my credit report from Equifax. Equifax told me I need to update my personal information by mail, but I'm uncomfortable mailing copies of my Social Security card and driver 's license. They said I could do it online, but I can't create an online account, and phone support can't help me set one up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2022 capital one credit card account continues to report on my credit report as late payments and it reports the account was sold to another lender I have no refence of having a capital one account. XXXX XXXX credit XX/XX/2022 i have disputed this account also and this reports on my account as sold to lender profit loss write off. XXXX XXXX also has a account that was sold to another company called XXXX XXXX XXXX and it continues to report on my account i have no knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

Company response to consumer: Closed with explanation