vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am disputing XXXX late payments being reported by Discover Bank ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. My credit report reflects XXXX, XXXX, and XXXX delinquencies during those months across XXXX, XXXX, and XXXX XXXX despite the account now XXXX marked as current and paid as agreed as of XX/XX/XXXX. 

During that time, I was experiencing medical hardship and financial disruption, and I believed I was protected by either : A payment arrangement or Hardship assistance through Discovers internal programs or COVID-related extensions still available during that period In addition : I received no official notice or confirmation of delinquency. 

The late payments appear without any clear billing statements or proof of default. 

No validation was provided when I previously disputed this with Discover and the credit bureaus. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate or unverifiable information FCRA 611 ( a ) Requires a reasonable reinvestigation following a dispute Metro 2 Guidelines Payment history should reflect clear, validated delinquencies and current status without conflicting information This account is currently in good standing, and I have resumed regular payments since then. Reporting delinquencies under these conditions is not only punitive but misrepresents the current status of the account, affecting my ability to access affordable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Two years after a supposed debt i applied for, I was notified that I owe XXXX $ for a loan I know nothing about .. the company was XXXX XXXXXXXX then sold to Velocity Investments llc . Now it is owned by another company... I checked my bank statements from that day and ever received any money into my account. I do not remember trying to request XXXX $ online... it did show on my credit report when buying a home but I was able to work around It. I am now taking steps to order a sieze and desist to cancel debt as well as a police report for any potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Received alert call from someone claiming to be Barclay Card. Phone number was XXXX. I felt the call was fraudulent, and immediately used the phone number on my card to call Barclay. They had no record of the call made to me nor of the fake transactions the person who called me told me about. My account is now locked and canceled.

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 2025-04-09 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Ava Finance, Inc
State: AL

Complaint narrative:
I'm filing a complaint with the CFPB against the creditor for violating the FCRA by continuing to report a fraudulent account on my credit report after I notified them of the identity theft, despite my efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$610.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCED {$5100.00} XXXX DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX GA ) XXXX BALANCED {$5700.00} XXXXXXXX XXXX XXXX  ( Original Creditor : THE PHOTO STUDIO GROUP ) XXXX BALANCED {$2500.00} XXXX XXXX XXXX BALANCED {$740.00} XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-09 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: IL

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX 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 2025-04-09 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:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
This collection account is being reported under my name for a XXXX bill I never received and a contract I never agreed to. I never opened a XXXX account, never received any statements, bills, or notices about this debt, and I had no opportunity to dispute it before it showed up on my credit report. I contacted the collection agency, but they have not provided any documentation proving the debt is mine. This is negatively impacting my credit, and I am requesting that it be removed immediately.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Removal of Inaccurate Personal Information FCRA Compliance, Metro 2, and CDIA Standards I am writing to request the immediate removal of outdated and inaccurate personal information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 & 611, credit reporting agencies are required to maintain only accurate and verifiable information. Additionally, per Metro 2 Compliance and CDIA Guidelines, all data reported must be current, complete, and free of errors.

Inaccurate Names to Be Removed My legal name is XXXX XXXX XXXX but my credit report incorrectly lists : * XXXX XXXX Any other name variations that are not my legal name Please delete any incorrect name variations that are not an exact match to my full legal name, XXXX XXXX XXXX. 

Outdated Addresses to Be Removed My current and only correct address is : XXXX XXXX XXXX XXXX Illinois XXXX However, my credit report lists outdated addresses that I no longer reside at. Please remove the following outdated addresses from my credit file : XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX # XXXX XXXX il XXXX These addresses are no longer associated with me and must be deleted immediately under FCRA accuracy requirements.

Legal Basis for This Request Per 15 U.S. Code 1681i ( FCRA Section 611 ) : You are required to investigate and remove any inaccurate or outdated information.

If you can not verify that these addresses and names are still associated with me, they must be deleted within 30 days. 

Additionally, under Metro 2 Compliance and CDIA Guidelines : Credit bureaus must only report one accurate current address and must remove obsolete addresses.

Any inaccurate name variations that do not match my government-issued ID must be corrected immediately. 

Resolution Requested Correct my name to reflect only XXXX XXXX XXXX. 
Remove all outdated addresses and ensure my current address is the only one listed.

Provide a revised credit report confirming these corrections.

Please process this request within 30 days and send me a confirmation letter once these corrections have been made. 

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 explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. XXXX XXXX XXXX XXXX Account # XXXX date showing late XX/XX/year> Upon reviewing my consumer reports I discovered some 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 with utmost accuracy. I have never missed a payment on the following account. 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 furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am not liable for this debt with credit collection I do not have a contract with credit collection. They did not provide me with original contract as requested have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mg ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I recently obtained a copy of my XXXX and XXXX consumer reports and discovered that this account : XXXX is listed on my credit file as closed, despite the fact that I am currently making payments on it. My consumer report inaccurately indicates that my last payment was made on XX/XX/XXXX ; however, my most recent payment of {$3900.00} occurred on XX/XX/XXXX. The payment status indicates that this account is charged off ; nevertheless, a representative informed me that the account is closed due to a bankruptcy filed by my grandma in XXXX. Maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

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 2025-04-09 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: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
My XXXX  account shows that someone applied for Nordstrom credit card in my name. I then received a letter from XXXX regarding a personal Loan I applied for. I have not applied for either of these accounts. I called XXXX and they are requesting my SSI number, which I refuse to share.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Consumer Complaint Letter Subject : Unlawful Vehicle Repossession and Unfair Credit Reporting by Green Road Finance Dear Sir or Madam, I am a resident of California and I am writing to file a formal complaint against Green Road Finance and the dealership XXXX XXXX due to a wrongful repossession of my vehicle and continued damage to my credit report. 

On XX/XX/XXXX, my vehicle was repossessed without any prior notice or proper legal procedure. The only explanation I was given afterward was that the car was not at the registered address and that there were past-due payments. However, I did not receive any official warning or a right to cure notice before the repossession took place. 

Despite the vehicle being taken from me, Green Road Finance has continued to request monthly payments and has reported each missed payment to the credit bureaus, which has unfairly and severely harmed my credit score. I believe this conduct is in violation of : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) California State Consumer Protection Laws Therefore, I respectfully request the following actions : 1. The removal of all delinquency marks related to this matter from my credit reports.

2. A written explanation of the legal basis used to repossess my vehicle.

3. For this disputed debt to be marked as in dispute on my credit files pending proper review. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE INQUIRES BELOW ARE FRAUD PLEASE REMOVE. 

Inquiry details XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> 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 2025-04-09 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: AR

Complaint narrative:
I am requesting that late payments and hard inquiries that I dont recognize to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am requesting that late payments and hard inquiries that I dont recognize to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Our XXXX checks were stolen And they cashed out our XXXX checks for {$6600.00} And capital one Bank is not helping us

Company response to consumer: Closed with explanation