vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See all attached proof ( letter from company, previous dispute results, ID theft report, as well as mailed correspondence sent XX/XX/year> ) MAJOR FCRA VIOLATION : You allowed the re-adding or didn't comply with the removal of previous removed accounts

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: CA

Complaint narrative:
Nothing!!!! Theyre still reporting it knowing that it is incorrect!!! Ive included the original bill with the original address and the incorrect name! Once I started disputing it they started harassing me knowing that they had the wrong person. My name does not have a M in the name, I am XXXX XXXX XXXX not XXXX XXXX XXXX and the address is incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Velocity Portfolio Group
State: PA

Complaint narrative:
VALIDATE THE DEBT WITH ASSIGMENT OF CONTRACT & or contract with me owing the company reporting ( third party ) and they sent me a bill instead that didn't properly do so instead send a bill from the original creditor which isn't properly confirming i have a signed contract with the debt collector who is trying to collect show me proof that you are legally able to collect on this debt VALIDATION AND CEASE AND DESIST XX/XX/year> Dear CKS PRIME INVESTMENT I recently received YOUR ATTEMPT TO VALIDATE a debt collection from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. Account # XXXX In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : PROPER REINVESTIGATION 1.Assignment of contract Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
2.Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
3.Proof that the original creditor securitized the debt. 
4.Documentation showing the assignments of the debt from the original creditor the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-24 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to XXXX to permanently delete my account, as I no longer wish to be associated with their service. 

XXXX has refused to honor my request, stating that they will keep my account open for record-keeping purposes. 

I have reviewed their Privacy Policy and understand their data retention practices, but I do not consent to my personal information being stored beyond what is legally required. 

I have attempted to resolve this matter directly with XXXX through multiple written requests, but they continue to insist that my account remains accessible, despite my explicit request for deletion. 

I respect they no longer wish to work with me after paying the debt off but I no longer need an account and wish for its deletion so that I can remove the app from my phone. Its still accessible with an active account that frequently sends notifications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

XXXXXXXX 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 2025-03-24 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: IL

Complaint narrative:
While reviewing my credit profile I came across inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-24 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: NY

Complaint narrative:
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$21.00} Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$280.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$490.00} XXXX XXXX  Date opened XX/XX/XXXX Balance {$610.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX I do not own the accounts listed. These accounts have been disputed and have come back as verified and are a result of identity theft from data breach. I have requested that these accounts be removed due to improper investigation processes.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed inaccurate information on credit reports and they all responded differently. XXXX closed XXXX XXXX and LVNV Funding but they did not close the XXXX XXXX XXXX. XXXX removed the XXXX XXXX XXXX  but left the XXXX XXXX and LVNV Funding on my report. XXXX is still report all three accounts, XXXX XXXX XXXX XXXX  XXXX and LVNV Funding. I request that each credit bureau accurately report the same information and remove all three of the accounts from my credit reports. I attached copies of my credit reports reflecting the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against TransUnion for failing to correct an inaccurate collection account reporting on my credit file. 

The collection account from XXXX XXXX ( Account : XXXX ) is being incorrectly reported as " open '' with a " past due '' balance on my TransUnion credit report. However, under standard credit reporting guidelines : Collection accounts are not open. Once a debt is sent to a collection agency, it is no longer an open credit account. 

Collection accounts should not have a past due balance. The past-due designation only applies to active accounts with the original creditor, not to debts that have been charged off and sold to a collection agency. 

This violates industry reporting standards ( as per the Credit Reporting Resource Guide ) and the Fair Credit Reporting Act ( FCRA ). 

I disputed this error with TransUnion, but they refused to correct the mistake. A TransUnion representative stated that the collection agency can report the account as " open '' and " past due '' because they are trying to collect the debt. This is factually and legally incorrect. 

Under FCRA 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation and correct or remove inaccurate information. TransUnion has failed to do so. 

Resolution Requested : I am requesting that the CFPB require TransUnion to : 1 Correct the reporting by marking the collection account as closed and removing the past due status. 
2 Provide written confirmation of the correction. 
3 If TransUnion can not verify the accuracy of this reporting, they must delete the account per FCRA 1681c ( a ) ( 4 ). 

I am attaching a copy of my dispute letter, my credit report with the error highlighted, and all supporting documentation. 

I appreciate the CFPBs intervention in ensuring compliance with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding an account reported by Spring Oaks Capital LLC ( original creditor : XXXX XXXX XXXX ), account ending in XXXX. This account is being reported inaccurately and inconsistently across credit bureaus and violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

The account is reported as an Open Account, when in fact, it is a collection account for a charged-off debt that was purchased by a debt buyer. 

Payment history, charge-off amount, and date of last payment are missing, making the report incomplete. 

The date of first delinquency is listed as XX/XX/year>, but Spring Oaks reports the placed for collection date as XX/XX/year>, which appears to be re-aging of the debt. 

XXXX reports different information than other bureaus : it labels the account Open, has a different Date Updated, and omits charge-off details. 

I disputed this account and it was marked verified without a meaningful investigation or proper validation. These inconsistencies and omissions violate FCRA 623 ( furnisher duties ) and 605 ( re-aging ). 

I am requesting that this account be deleted from my credit reports with all credit bureaus, as it is not being accurately or consistently verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: RI

Complaint narrative:
I had personal issues with credit and I signed up for Level One Law Group. Not one time was I ever told the funds were for " upfront '' fees. I was upset at the level of service I was receiving and I requested my funds and that my account be closed. Once I called I was told all my funds went to fees and that I would not see that money. I was then promised a small refund of {$1100.00}. which I accepted based on the fact that it was more than XXXX. I called over 25 times, the company then told me they were getting sued after the 25th time and my own investigation I realized they had been frauding me and several others. Now there has been a motion to refund all funds that were in a refunding status and possible fees collected, and when I call I am being told there is no way to see the money. I call their funds company XXXX XXXX and they say they can not do anything because the funds are still at Level One Law. I have called several attorneys related to the case and it is always continuous legal jargon I am not aware or have the knowledge of.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX this XXXX to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security XXXX. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX There was a XXXX days late reported to my credit profile that was back dated to XX/XX/XXXX. While Im in forbearance which should not have happened. I reached out to XXXX in was told that they dont see that in their records in to immediately dispute it with the bureaus. This has decreased my points by XXXX points with experience XXXX points with XXXX and XXXX points with transunion and has stop my process in underwriting for purchasing my home. I even have a recording with XXXX with them saying that I dont owe XXXX days which Im trying to load as proof as well

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX There was a XXXX days late reported to my credit profile that was back dated to XX/XX/XXXX. While Im in forbearance which should not have happened. I reached out to XXXX in was told that they dont see that in their records in to immediately dispute it with the bureaus. This has decreased my points by XXXX points with experience XXXX points with XXXX and XXXX points with transunion and has stop my process in underwriting for purchasing my home. I even have a recording with XXXX with them saying that I dont owe XXXX days which Im trying to load as proof as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: HI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was told last week from a TD bank customer service representative to Fax my proof of company ownership with cover letter and I would receive information almost immediately. I did as told and I called back today and now they have no record of my account. I am unable to get in contact with XXXX XXXX who was my contact before because her email is full. I will send the required information regarding the Olivers Landscaping check desposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I had never given consent to furnish or obtain my 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