vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
I recently checked my credit reports and noticed billing errors, incomplete and inaccurate information. You are in serious violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Request for Account Verification and Re-Insertion Documentation Account Number : XXXX Dear Capital One Support Team, I am writing to formally request documentation verifying the current status of my credit card account referenced above. 

This account was previously disputed and removed from my credit reports due to unauthorized charges that resulted in an incorrect balance. Since then, the dispute has been resolved, and the account is now in good standing with a {$0.00} balance and approximately 78 years of positive payment history. 

As this account was entirely removed from my credit reports, I am now seeking re-insertion of the tradeline with the correct information. In order to facilitate this process with the credit reporting agencies ( Experian, TransUnion, and Equifax ), I respectfully request that Capital One provide a written letter or statement confirming : The account is closed or active ( please specify ), The balance is {$0.00}, The payment history spans 78 years, and The account is/was in good standing aside from the previously disputed charges. 

This documentation will be submitted directly to the credit bureaus to support my re-insertion request in accordance with the Fair Credit Reporting Act ( FCRA ). 

If you require any additional information or documentation from me to process this request, please do not hesitate to contact me using the information above. 

Thank you for your assistance and attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted formal disputes to TransUnion on XX/XX/year>, regarding inaccurate and/or unverifiable information on my credit report. As of today, XX/XX/year>, the disputes remain unresolved. This exceeds the maximum time allowed under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to complete an investigation within 30 daysor 45 days if additional documentation is requested. I have received no such request or communication from TransUnion.

This constitutes a violation of FCRA ( 15 U.S. Code 1681i ), and I believe TransUnion is willfully noncompliant. Their failure to investigate and resolve my dispute in the legally required timeframe is damaging to my financial standing and may be cause for statutory and actual damages. 

I am requesting immediate intervention. I want the disputed items removed from my credit report due to TransUnions failure to meet its obligations. I also request that the CFPB investigate TransUnions broader compliance with dispute timelines as this may represent a pattern of consumer rights violations Further this account is not being reported on both experian or equifax. According to FCRA they must furnish accurate information and this would be grounds for in accurate information in combination with their lack of response within the legal time frame. 

I have a legal team ready to pursue damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OK

Complaint narrative:
I am filing a formal THIRD complaint against XXXX XXXX XXXX and its servicer, XXXX XXXX XXXX, for multiple and repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my prior two CFPB complaints, this company has continued to report an unverified debt to the credit bureaus and failed to provide any lawful validation of the alleged account.

Their mailed responses lack a signed agreement, proof of legal transfer or assignment ( bill of sale/chain of custody ), and a full itemized breakdown of the debt. The statements they provided do not suffice as validation under 15 U.S.C. 1692g ( b ). They have also referenced letters allegedly sent to addresses I did not live at during the stated time periods, further violating 15 U.S.C. 1692e. 

On XX/XX/year>, I called and spoke to a Resurgent representative and formally requested all transfer documentation, including the bill of sale. To date, I have received no such documents. Instead, the account continues to report on my credit despite my disputes.

Violations Include : 15 U.S.C. 1692g ( b ) Failure to provide verification of debt ; 15 U.S.C. 1692e ( 8 ) Reporting disputed debts without proper investigation ; 15 U.S.C. 1692e ( 10 ) False and misleading representations ; 15 U.S.C. 1692f Unfair or unconscionable practices ; 15 U.S.C. 1681s-2 ( a ) & ( b ) Inaccurate reporting and failure to reinvestigate consumer dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: PA

Complaint narrative:
So I was expanding my business I have a previous complaint about this company and filed police reports thinking it was fraudulent I had taken a loan out with square which was legitimate and at the same time I was applying for multiple loans which I did not know that's what happens when you click a site you put your information in and it fishes out several different companies when I had accepted terms I wasn't paying attention during the chaos of the expansion and inadvertently accepted to financial obligations I honestly wasn't paying attention I believe this was fraud so much that I actually filled out a police report because other fraudulent activities actually were going on at the exact same time that this happened I tried to work with the company, but they're refusal has frustrated me so badly and I did speak to them poorly because I thought they were fraudulent. Tried to rectify the situation apologize to the police officers who did this research in my previous complaint almost got myself arrested for obstruction, terrifying by the way. And I've reached out to this company several times for resolve. But they want almost the full amount which is insanity of the loan that I mistakenly got I offered to do a reversal of the transaction they won't accept. The original amount was {$2700.00} they are asking for {$5700.00} back. I feel this is predatory they have a XXXX lean against all my financial information they are refusing to make any feasible payment arrangements. They communicate through text and I do not have the money to pay them back because they have Frozen the accounts to which I make money. If this continues will only be a matter of months before my business shuts down because I can not take Card transactions I have already lost 50 % of my income and can barely pay the bills. I'm begging for help and Innovation this was a mistake to choose this company as a lender genuinely. I am asking for them to remove the UCCS for at least 30 days so that I can pay them back but they just won't budge. I think that this was a predatory loan I think it also goes against XXXX XXXX XXXXXXXX XXXX XXXX  %. Please help me remove this lean so that I can continue to operate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding the reporting practices related to my XXXX loan. 

Currently, this account is only being reported to Experian, while it is completely absent from both XXXX XXXX XXXX. This inconsistent reporting creates an inaccurate picture of my credit profile and may unfairly impact my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), furnishers are expected to provide complete and accurate information. By only reporting to one bureau, XXXX is failing to ensure the consistency and completeness of my credit file. 

I respectfully request that this matter be investigated and that XXXX be required to report the account uniformly to all three major credit bureaus or remove the account if it can not be properly furnished across all platforms. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
A collection account from a company called XXXX XXXX XXXX in the amount of {$3500.00} is being reported on my credit report. I have never had any communication with this company, nor do I recognize the original creditor associated with this debt. I have not received any debt validation notice, and no proof has been provided that this debt belongs to me. I am requesting that XXXX XXXX XXXX  provide a debt validation letter that includes the following : Documentation that this debt is legally mine. A copy of any document with my signature authorizing this debt. If the debt was purchased, proof of the chain of ownership from the original creditor to XXXX XXXX XXXX. Proof that I had a relationship with the original creditor or owned any account or business with them. If they are unable to provide this information, this account must be removed from my credit report as it is unverifiable and potentially erroneous. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ). Failure to validate this debt or continuing to report unverifiable information may result in legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am writing to formally dispute the validity and legality of a collection account reported by XXXX XXXX on my credit report. I am also submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) due to serious legal violations under the Military Lending Act ( MLA ), Electronic Fund Transfer Act ( EFTA ), and Consumer Financial Protection Act of 2010 ( CFPA ). 
At the time the loan was originated, I was an XXXX XXXX Servicemember, and as such, I was a covered borrower entitled to special protections under the Military Lending Act. These includebut are not limited torestrictions on high-interest rates, mandatory disclosures, and protection from certain lending practices. 
XXXX XXXX violated these protections in the following ways : 1. Violating the MLA : The loan issued involved usurious interest rates, excessive fees, and lacked proper assessment of my ability to repay, which is a clear violation of the MLA. Furthermore, I was subjected to repeated loan refinancing ( loan flipping ), which is explicitly discouraged under the MLA 's purpose to prevent such predatory practices.

2. Violating the EFTA : I was required to provide preauthorization for recurring payments directly from my account without clear consent, violating regulations outlined in the EFTA regarding consumer protections on electronic fund transfers.

3. Violating the CFPA : These actions amount to unfair, deceptive, and abusive acts and practices ( UDAAPs ) as defined under the Consumer Financial Protection Act of 2010. 
This account was issued under terms and practices that are illegal and predatory, especially in the context of my status as an XXXX XXXX service member. The presence of this collection item on my credit report continues to cause my inability obtain credit and is a result of violations of my rights as a consumer and servicemember. 
Therefore, I am requesting the following : 1. Immediate removal of this account from my credit report by all three credit reporting agencies ( Equifax, Experian, and TransUnion ).

2. An official investigation by the Consumer Financial Protection Bureau into XXXX XXXX lending practices. 
XXXX. Confirmation in writing that this account has been deleted from my credit reports. 
Please treat this matter with urgency. I trust that the CFPB will ensure this case is reviewed appropriately, and that the credit bureaus will take swift action to correct this harmful and inaccurate entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was working for a company based in XXXX GA. The owner of the company had all my details. He said he was going to request XXXX XXXX for some company credit cards. He used my computer to do it. It was XXXX. 
End XXXX I started to receive solicitations from XXXX XXXX of unpaid bills. I went to look into this information as it seemed strange to me since to my personal cards I had an autopayment scheduled all months for the previous 10 years. 
Eventually I found out that all the cards that XXXXXXXX XXXX  XXXX owner of XXXX XXXX ) had opened were linked to my personal account. When I confronted him, he told me that it was a mistake. XXXX XXXX told me that they would fix it only if XXXXXXXX XXXX would call them and explain the mistake. He never called, they never fixed it and he also fired me after this. In addition to this, I found out he opened a XXXX account XXXX in my name which he didn't pay and still owes me about 6 months of salary. 
I have made a police report, I sent everything to XXXX XXXX and they just send back the issue to me, telling me to ask XXXXXXXX XXXX to call them. 
They keep calling me asking me to pay for this company cards that are business cards that they linked to my personal account. There is a mistake also on XXXX side by linking a juridical person to a physical person. When I threated them to sue them, they said that it was a mistake but they can't fix it unless XXXXXXXX XXXX will call them to fix it as he needs to take ownership of the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
Since XX/XX/XXXX of XXXX, I have been getting calls from this debt collection agency but they have not sent me any credible evidence that they have taken over the debt and I have not signed any contract. When I go to their website to pay the debt there is no way to verify that I am paying my own debt, no account number, no online links sent through email.

Company response to consumer: Closed with non-monetary relief