vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered a few instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported at 100 % accuracy. I have never missed a payment on the following account : [ XXXX XXXX, [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to produce such proof, I demand that these payments be immediately updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-02-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, this letter serves as a formal dispute and demand for the immediate removal of inaccurate, outdated, and unverified debt entries from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692, I am exercising my legal right to challenge the validity of the debts being reported. 
Upon reviewing my credit report, I have identified the following erroneous and unverified accounts that are negatively impacting my credit profile. Under 15 U.S.C. 1681i, you are required to conduct a full investigation within 30 days of receiving this dispute. If the accounts can not be verified with original documentation from the creditor, you must immediately delete them from my report. 
I Demands Under Federal Law : 1. Full validation of each reported debt, including the original creditor agreement, signed contract, and complete payment history. ( FCRA 609 ) 2. Proof of legal authority for any debt collector reporting on my file. ( FDCPA 809 ( b ) Debt Validation ) XXXX. Immediate deletion of any unverified, outdated, or inaccurate information, as required by law. ( FCRA 1681e ( b ) ) 4. Written confirmation detailing your findings and any removals made to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX, XXXX Closed Account charged off. {$1900.00} written off. {$2000.00} past due as of XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Open/Closed Closed Account Type Balance - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Open/Closed. Closed Account Type Secured loan Balance - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Filed Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-08 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I recently discovered that credit cards were opened in my name without my knowledge or consent, supposedly tied to the XXXX and XXXX XXXX. I have no affiliation with those organizations and never applied for these cards. When I reviewed the application, I saw it contained false information and a forged signature. Ive been disputing these accounts since I first became aware of them, yet Im still being held liable. I believe my personal information was stolen, and whoever opened these cards lied about my employment and income. Im requesting that these accounts be removed from my name immediately and that I be released from any associated debt or responsibility. 


I have already contacted the email several times and no one responds. This company is trying to make me pay for a debt I dont owe. I have emailed XXXX. and called XXXX and no one responds to my emails or can give me any information on 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 2025-02-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Equifax Reinserted a Previously Deleted Charge-Off Without Notice Original Complaint Reference ( if applicable ) : [ Insert Prior Case # if available ] Complaint Details : I am filing a complaint against Equifax for XXXX reinserting a charge-off account from XXXX ( Account XXXX XXXX XXXXXXXX ) that was previously removed from my credit report. 

This charge-off was deleted but was wrongfully reinserted without : Proper written notice within XXXX business days ( FCRA Section 611 ( a ) ( 5 ) ( B ) violation ) New valid documentation from the furnisher proving the debt is legitimate Adherence to federal reinsertion rules that require Equifax to confirm the accuracy of the data before adding it back Key Issues : Since this account was previously removed, it should not have been added back without formal notification and proof from XXXX 
Equifax has failed to comply with FCRA reinsertion rules, making this action both improper and potentially illegal. 
I Demand the Following Actions : Equifax must immediately delete this charge-off and confirm its removal in writing. 
XXXX XXXX XXXX reporting this account unless they provide verifiable proof of its legitimacy. 
Equifax and XXXX XXXX XXXX with the FCRA, or I will explore legal action. 

Failure to correct this issue may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Friday, XX/XX/XXXX I received alerts from XXXX and XXXX XXXX XXXX stating that a hard inquiry had been added to my XXXX XXXX credit report. Because I had not recently applied for loans or credit cards, I checked XXXX XXXX, and saw that the hard inquiry was for a capital one credit card. I immediately called capital one and spoke to a representative and explained the situation, and that I had never applied for a capital one credit card nor had any knowledge of a capital one credit card being opened with my name and Social Security number. She stated that there was currently no account open with my Social Security number, but suggested that I call XXXX XXXX to dispute the hard inquiry. I asked if there was a way to ensure that this account would not be created, and that charges would not be occurring on a credit card that I did not apply for. She stated that I should call back towards the end of the week, and see if the account had been approved yet, and speak to the fraud department if it was created. I then asked her if there was a way to document the phone call I had made to the company and she had stated since there was no account yet, there would be no way to prove or document the conversation. She once again suggested that I contact XXXX XXXX before we ended the call. I then created an account with XXXX XXXX to view my credit report and saw there was a phone number on my account that I have never had or been associated with. Upon further investigation, I then saw the hard inquiry requested on XX/XX/XXXX from capital one with a fraudulent address and the previously mentioned phone number associated with my maiden name, even though my last name changed in XXXX of XXXX. I was able to remove the phone number from my credit report, but then decided to file an identity theft claim through XXXX. After that, I reached out to XXXX XXXX, and the representative stated all the information I needed to begin a dispute. She then confirmed that I had put my account on fraud alert, as well as froze my credit report, and suggested that I freeze my credit report with the other XXXX major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NJ

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 XXXX : 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 XXXX 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 XXXX 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, 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
XXXX XXXX : Rent Recovery Solutions XXXX. 

Account XXXX : XXXX. 

Date Assigned : XX/XX/year>. 

Disputed information : XXXX collection account. XXXX was paid in full on XX/XX/year>, move out date was XX/XX/year>. Final account balance provided by building was paid in full on XX/XX/year>. The apartment was fully inspected by building management prior to move out date, and new tenant moved into XXXX on XX/XX/year>. The security deposit amount was fully refunded ( per enclosed receipts ). 

Item being disputed and why : This is a bogus collection charge/account. The report shows delinquency on rental payments. All payments were made on time and final bill/account settled in full with rental property. Please see supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Removal of Inaccurate Credit Items from Experian, TransUnion, and Equifax Dear CFPB Representative, I am writing to formally dispute inaccurate and unfair negative items listed on my credit reports with Experian, TransUnion, and Equifax. These items include late payments, charge-offs, and collections that are either incorrect, unverifiable, or outdated. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and removal of these accounts from my credit reports. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion Experian [ XXXX XXXX ] Account # [ XXXX ] Equifax Experian [ XXXX XXXX XXXX ] - Account # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX ] - Account # [ XXXX ] Transunion Equifax [ XXXXXXXX XXXX  ] Account # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX ] # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX XXXX XXXX XXXX ] Transunion Experian Equifax Under XXXXhe FCRA ( 15 U.S.C. 1681 ), credit reporting agencies must ensure that all reported information is accurate, fair, and verifiable. Additionally, the FDCPA prohibits debt XXXX from reporting inaccurate, unverified, or obsolete accounts. If the listed creditors and collection agencies can not provide documented proof verifying the accuracy and legitimacy of these accounts, I demand their immediate removal from my credit reports. 

I request that the CFPB intervene to ensure Experian, TransUnion, and Equifax comply with federal law and correct these inaccuracies. I have attached copies of my credit reports highlighting the disputed accounts, along with any supporting documentation. 

I request a written response regarding the results of your investigation within 30 days, as required by law. Your prompt attention to this matter is greatly appreciated.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to give me my credit report. The keep saying there is no report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 : 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 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 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 2025-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper informed me that on XX/XX/XXXX, there would be an increase in my mortgage due to my property assessment on XX/XX/XXXX. However, in XXXX, I learned that I could apply for a property exemption through XXXX, which I did. 

My payment amount was {$2200.00}, and it has increased to {$3400.00} resulting in a {$1100.00} increase. I submitted all the required documents from XXXX at the beginning of XXXX, yet, to date, the issue has not been addressed by Mr. Cooper. 

On XX/XX/XXXX, I received a call stating that they were contacting me regarding a late payment. Approximately XXXX weeks after submitting my documents to Mr. Cooper, I spoke to a representative who assured me that the process would be completed by XX/XX/XXXX. However, on that same day, I received a voicemail requesting payment. Upon returning the call, another representative informed me that the process would now take XXXX months to complete. 
I am unable to pay that increase due to lack of resources. This is more than a month ; my payment should be adjusted, and my amount due should have returned to my previous payment of {$2200.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am submitting a complaint against Equifax for their inadequate handling of my disputes concerning inaccuracies in my credit report. Despite my numerous submissions, Equifax consistently replies within 24 hours asserting that the account is accurate, without offering any evidence of a comprehensive investigation. This behavior breaches the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as indicated by the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. I urge the CFPB to take action to ensure Equifax adheres to federal law and provides consumers with the necessary proof of their investigations. 

Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am submitting a complaint against Equifax for their inadequate handling of my disputes concerning inaccuracies in my credit report. Despite my numerous submissions, Equifax consistently replies within 24 hours asserting that the account is accurate, without offering any evidence of a comprehensive investigation. This behavior breaches the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as indicated by the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. I urge the CFPB to take action to ensure Equifax adheres to federal law and provides consumers with the necessary proof of their investigations. 

Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief