vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: TN

Complaint narrative:
I would like the write off information as the XXXX from the company, however they have written it off and still reporting to my account, they keep reporting it, and that's fraud.. If the information isn't sent .. I will be suing this Company .. I'm asking to please take this off my credit report or please send the XXXX form thanks

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 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Around XX/XX/year> I ran into an issue with fraud with my capital one account XXXX I contacted capital one about the issue while I was on vacation in XXXX XXXX I was informed that there was a hold on my account and I could not use my card or access my account at all. Then on XX/XX/year> I looked at my Experian profile and seen I was hit with a XXXX day late payment I then reached out to capital one and explained to them what happened they said they would contact me and I never heard from them since then its been a on going battle trying to get the payment removed. They have the calls monitored when I talked to customer service so they should be able to send the information to you guys to show I couldnt access my account for anything since then Ive been XXXX to open XXXX more accounts with capital one and all of my accounts stay paid on time if not before the due date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Upon reviewing my credit report, I noticed several unauthorized hard inquiries that I do not recognize or recall authorizing. These inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ) ( XXXX ), which states that a consumer reporting agency may only furnish a consumer report under certain permissible purposes. If no permissible purpose or written authorization exists, these inquiries should not have been made and must be removed immediately. I am requesting a thorough investigation into these inquiries and the removal of any that were conducted without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/, 2025, I was charged {$1200.00} on my Bank of America debit card for a hotel stay at XXXX XXXX XXXX XXXX by XXXX XXXX XXXX ( the charge appears as XXXX XXXX XXXX XXXX XXXX XXXX  ). I had booked a Superior Double Room with Two Double Beds with City and River View through XXXX. This room was advertised with premium features, including floor-to-ceiling corner windows. However, upon arrival at the hotel, I was placed in a significantly downgraded room that did not include any of the advertised features. 

I was not informed before check-in that the room I paid for was unavailable. The hotel confirmed they placed me in a different room and admitted that I was unsatisfied with the change, yet they refused to refund or offer any resolution. I also reached out to XXXX, who made multiple attempts to resolve the issue, but the hotel either refused to cooperate or ignored their requests. 

On XX/XX/ 2025, after the charge officially cleared, I filed a dispute with Bank of America to request a refund on the basis that the service I paid for was not provided. The hotel submitted a response claiming that the reservation was honored simply because I checked in and used my card. This argument does not address the actual issue that I was charged for a specific product and did not receive it. 

The evidence provided by the hotel included receipts and booking confirmations that were generated before I had any way of knowing I was being placed in a different room. I later submitted supporting evidence including side-by-side photos of the room I received versus the room I booked, as well as documentation from Booking.com confirming the hotel 's refusal to cooperate. Despite this, Bank of America denied my dispute, and did not acknowledge or include this evidence in their decision-making process.

This experience reflects unfair and deceptive merchant practices and raises concerns about how Bank of America handled my dispute and protected my consumer rights under Regulation E. I am seeking a full review and resolution in accordance with consumer protection standards.

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 2025-04-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Unfortunately, I have been a victim of identity theft and data breach from company XXXX, and my information was obtained fraudulently to take over my phone line, open fraudulent business, credit card accounts, checkings and savings accounts, and to open loans etc. I have reached out to all companies who has been a part of this unfortunate situation with me as a customer, and they all were willing to help me resolve this in which we did, but in regards to theses specific companies XXXX XXXX, XXXX XXXX, and Chase Bank Ive reached out to them several times and they refused as part of their investigation to freeze, block, or close the loans or accounts out as fraudulent. They also refused to provide sufficient documentation proof of what was used to approve the loans originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : Late/Close : XXXX XXXX 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 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.

Complaint narrative:
I'm the owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX LOAN NUMBER XXXX Meanwhile, XXXX XXXX XXXX handed out my mortgage to Mr. Cooper without my permission... I tried to pay the mortgage on time, but Mr. Cooper Company did not send me the bank name and account number. I'm living overseas. Tried to contact them by email numerous times, but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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 am filing this complaint against Transunion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Despite submitting two detailed reinvestigation requests Transunion, the credit bureau has failed to ensure the maximum possible accuracy of my credit report. 
These violations have resulted in persistent inaccuracies in my credit file, including incorrect accounts as follows : XXXXXXXX XXXX XXXXXXXX, {$400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$110.00} XXXX. XXXX XXXX, XXXX, {$590.00} XXXX. XXXX XXXXXXXX, {$900.00} XXXX. XXXX XXXX XXXX. XXXX {$1800.00}

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 2025-04-21 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: CA

Complaint narrative:
Please see below for my full statement and relevant legal references regarding my complaint about XXXX XXXX XXXX. 
I am writing to file a formal complaint against a company identified as XXXX XXXX XXXX, which has reported derogatory information on my credit report without my knowledge or consent. I have never entered into any contractual relationship with this entity, nor have I received any communication or notice of any debt they claim I owe. 

This company is reporting as a third-party debt collector without adhering to the legal procedures outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to 15 U.S. Code 1692g ( a ) of the FDCPA, a debt collector must provide written validation of the debt within five days of initial communication. I have received no such communication from XXXX XXXX XXXX. 

Additionally, under 15 U.S. Code 1681s-2 ( a ) of the FCRA, furnishers of information have a legal obligation to ensure the accuracy and integrity of the information they provide to credit reporting agencies. Reporting inaccurate or unverified information without proper investigation is a direct violation of this statute. 

Furthermore, courts have established legal precedent that supports a consumers right to dispute inaccurate credit reporting and to expect reasonable procedures from furnishers. Notable case law includes : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) The court held that credit reporting agencies and furnishers of information must conduct a reasonable investigation once a dispute is filed.

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) This case confirmed that debt collectors can not report information to credit bureaus without first validating the debt.

Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) This case reinforces that collection activity, including credit reporting, without debt validation is a violation of the FDCPA. 
The reporting by XXXX XXXX XXXX is both inaccurate and unauthorized, and it is causing direct harm to my credit standing and financial wellbeing. I respectfully request that the CFPB conduct a thorough investigation into this matter and take corrective action, including the permanent removal of this entry from my credit report. 

Please find enclosed a copy of my credit report with the disputed account highlighted and a copy of my identification for verification purposes. 

Thank you for your time and attention to this matter. I look forward to your swift response and resolution.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute Under 15 U.S.C. 1681e ( b ) Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that is being reported on my Experian credit file. This dispute is being submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. 

The account in question is listed as follows : Creditor Name : XXXX XXXX NA Date Opened : XX/XX/XXXX Status : Account charged off. {$550.00} written off. {$550.00} past due as of XXXX XXXX. 

Status Updated : XX/XX/XXXX Recent Payment : {$90.00} as of XX/XX/XXXX Credit Limit : {$300.00} Balance : {$550.00} On Record Until : XX/XX/XXXX I believe this information is inaccurate and/or incomplete for the following reasons : The reported balance exceeds the original credit limit, which raises concerns about the accuracy of the data. 

The account reflects inconsistent or conflicting status updates over time. For instance, payments have been made, yet the account continues to reflect the same charged-off balance. 

The account history does not reflect an accurate or comprehensive payment timeline or resolution process, which may misrepresent my payment behavior and creditworthiness.

I am requesting that Experian conduct a reinvestigation into this account and either correct or remove the inaccurate information in accordance with 15 U.S.C. 1681i. Please verify this account with the data furnisher and provide me with a written statement of the results of your reinvestigation. 

Additionally, please provide me with the name, address, and phone number of the furnisher of the information as required by law. 

Enclosed are copies of any supporting documents ( if available ) to assist with the investigation. 

Thank you for your time and attention to this matter. I look forward to your response within the 30-day period as required by federal law.

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 2025-04-21 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I have tried several times to resolves this misunderstanding including dealing with several different companies for one alleged account. According to FDCPA, US Codes 1692c, 1681e ( b ), 1681e ( d ), violates my rights as a consumer and correct reporting to credit bureaus. This company is violating my credit worthiness, credit standing, reputation, character and mode of living. This reporting has led to job loss creating unfavorable living conditions as well as an invasion of privacy. Please remove from my credit report as this is not my account and several collection practices have been violated by several US Codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon review of my credit report I noticed that there are multiple names and addresses reporting. I've tried to have the incorrect information deleted with no results. I would like to have the following names deleted : 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  Along with the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching 2 forms proof of identity & proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon review of my credit report I noticed that there are multiple names and addresses reporting. I've tried to have the incorrect information deleted with no results. I would like to have the following names deleted : 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  Along with the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching 2 forms proof of identity & proof of address

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened my account with no issue, received a payroll from my university with no issue, but I can not make a zelle transfer with only an amount of XXXX $ to my XXXX account, and they just blocked my account. Called the customer support, they asked me many personal details to verify that it was me. Told to me will be unlocked after 2 hours. After more than 2 hours, I still can not access my account. The new agent told me I have to go to the branch, which is 250 miles away from my home, and they can not give me a reason why my activity is suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-04-21 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint against Resurgent Capital Services regarding a collection account ( Resurgent ID ending in XXXX ) they are reporting on behalf of LVNV Funding. 

This account is reporting a full balance of {$1400.00} and is marked as open, with monthly updates continuing as if it is an active account. However, there has been no consumer activity or payments on this account in over two years. This misleading reporting negatively affects my credit by making it appear that I have an open, delinquent account.

I previously contacted Resurgent and offered a good-faith settlement of {$580.00} due to being on state XXXX and experiencing financial hardship. They refused this offer and instead countered with a much higher amount. 

Additionally, the tradeline does not clearly identify the original creditor, lacks key account details, and I have disputed the account before without a meaningful update or resolution. 

I am requesting that the account be deleted from all credit reports, or at minimum, that it be corrected to show a closed status and cease all further monthly reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Melar Investments, LLC
State: OK

Complaint narrative:
After looking back through my case with KINO FINANCIAL CO LLC, I realized that they didnt provide proof of the amount owed to the original creditor. They only have provided the amount that I allegedly owe them. The only verification they have provided was the original lease agreement and the bill of sale of the debt. Nowhere in that agreement did it say what I allegedly owed to the creditor or what was due when the account defaulted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation