vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
Dynamic collectors and their XXXX XXXX have purchased old debts for traffic tickets. They continue to refuse to send anything to my updated address that has been given to them verbally over the phone as well as included as return address when I have responded to their suits. My wages are being garnished for obscene amounts which have lead me into current eviction from my apartment. I am a single dad of two school aged children. After I submitted the claim to the court Dynamic and their XXXX made even more aggressive efforts by filing for Writ of Garnishment with other courts throughout the state. Please note my request of hardship was NOT GRANTED and Dynamic and XXXX XXXX XXXX successfully seized over XXXX dollars. Don't worry now XXXX XXXX XXXX XXXX XXXX XXXX is now seizing XXXX in alleged court fees. And I and my sons are soon to be on the streets for tickets from 2018.

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 2025-05-23 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: PA

Complaint narrative:
I just. want all the stuff off my credit report due to the breach I tried reaching out to the credit companies they are no help I never lived half them places.. I want all name removed minus ( XXXX XXXX ) I want all addresses removed minus ( XXXX XXXX XXXX XXXX XXXX PA 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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I seen a collection appear on my credit report earlier this week I never got no mail nor email saying I old to LVNV FUNDING LLC so I thought it was fraud come to find out the card company that I had recently disputed the first collection company they sold it to got it deleted they sold it to a second collection company which is LVNV FUNDING LLC like I said earlier I had knowledge that it was sold a second time it just pop up on my credit they violated my rights from the start from not notifying me that that purchase the debt I will attach the picture of the first collection company that I got deleted for this same debt Personal Statement PLEASE REMOVE AND DELETE ALL FALSE AND INACCURATE INFORMATION FROM MY CREDIT FILE IMMEDIATELY BECAUSE OF 15 USC 1681 S -2 ( A ) & ( B ) 15 USC 1681 ( 5 ) ( A ) & ( i ) ( ii ) AND 15 USC 1681 ( E ) B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM RELATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-23 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. You have 30 days from the date of this letter to provide the following : 1. Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2. A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3. The names, contact information, and job titles of the individuals who handled my dispute.

4. A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

These accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
In XX/XX/year>2025, I obtained a new mobile phone number from my carrier, XXXX  ( a XXXX-owned company ). Shortly after, I attempted to access my Charles Schwab Bank account online and through mobile banking. I was unable to complete identity verification because Schwabs systems, and their third-party verification partners, still associated my phone number with a previous owner. 

Between XXXX and XX/XX/scrub> 2025, I contacted Schwab customer service multiple times to explain the issue and provided documentation confirming my ownership of the phone number, including a recent phone bill. Despite these efforts, Schwab was unable to update their records or provide a solution. As a result, I have been repeatedly denied access to my account and essential banking services.

This ongoing issue is preventing me from managing my finances and using features such as XXXX and other online services. I have also contacted my phone carrier and XXXX XXXX XXXX, but the problem persists because Schwabs systems have not updated the association of my phone number.

I am requesting that Schwab update their records and any relevant third-party databases to reflect my ownership of my current phone number, so I can access my account and banking services without further delay.

Account numberXXXX Routing numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear TransUnion, This letter serves as a formal Method of Verification request pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 7 ) regarding the Capital One account listed above.According to your correspondence dated XX/XX/year>, you concluded that the item in question was " Verified as Accurate and Updated. '' However, this conclusion lacks transparency and fails to meet the standards set by federal law.

1. Method of Verification I am formally requesting a detailed description of the procedure used during your reinvestigation to determine the accuracy of the Capital One account. Please provide : - Who you contacted at Capital One, - What documents you reviewed or received, - How the verification process was conducted.This is my right under FCRA 611 ( a ) ( 7 ).

2. Supporting Documentation Request I also demand copies of all documentation you relied upon in verifying the accuracy of this account, including any : - Original signed applications, - Monthly statements, - Billing records, - Communication logs from Capital One.A simple data match or e-Oscar confirmation does not constitute a reasonable investigation under the FCRA.

3. Inaccuracies and FCRA Violations Identified Upon review of the tradeline as
reported on my credit file, I have found multiple serious discrepancies, including : - The reported charge-off balance ( {$3700.00} ) exceeds the reported credit limit ( {$3000.00} ). This is inaccurate and misleading.- The tradeline shows Charge Off and 120+ Days Late being reported in the same months, which is duplicative and inflates derogatory data.- Re-aging behavior : The account appears to be marked as charged-off in multiple months, which is improper and may constitute a violation of Metro 2 guidelines.- The remark XXXX XXXX XXXX XXXX XXXXXXXX suggests the dispute was not properly verified and that the account was reaffirmed without furnishing actual proof of liability.These inaccuracies harm my credit profile and may constitute willful noncompliance with the FCRA.

4. 15-Day Deadline You are hereby notified that you have 15 days from the date of this letter ( XX/XX/year> ) to provide : - A full and complete method of verification,- All supporting documentation relied upon during reinvestigation, - The name and contact information of the individual or department at Capital One that verified this account.Failure to provide this information or correct these violations may result in : - A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), - Notices to the California Attorney Generals Office, - Initiation of civil litigation under FCRA 616 and 617 for statutory and actual damages.Please send the full results of your reinvestigation and an updated copy of my credit report to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Dear TransUnion, This letter serves as a formal Method of Verification request pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 7 ) regarding the XXXX XXXX account listed above.According to your correspondence dated XX/XX/year>, you concluded that the item in question was " Verified as Accurate and Updated. '' However, this conclusion lacks transparency and fails to meet the standards set by federal law. 

1. Method of Verification I am formally requesting a detailed description of the procedure used during your reinvestigation to determine the accuracy of the XXXX XXXX account. Please provide : - Who you contacted at XXXX XXXX, - What documents you reviewed or received, - How the verification process was conducted.This is my right under FCRA 611 ( a ) ( 7 ).

2. Supporting Documentation Request I also demand copies of all documentation you relied upon in verifying the accuracy of this account, including any : - Original signed applications, - Monthly statements, - Billing records, - Communication logs from XXXX XXXX.A simple data match or e-Oscar confirmation does not constitute a reasonable investigation under the FCRA. 

3. Inaccuracies and FCRA Violations Identified Upon review of the tradeline as reported on my credit file, I have found multiple serious discrepancies, including : - The reported charge-off balance ( {$3700.00} ) exceeds the reported credit limit ( {$3000.00} ). This is inaccurate and misleading.- The tradeline shows Charge Off and 120+ Days Late being reported in the same months, which is duplicative and inflates derogatory data.- Re-aging behavior : The account appears to be marked as charged-off in multiple months, which is improper and may constitute a violation of Metro 2 guidelines.- The remark XXXX XXXX XXXX XXXX XXXX  suggests the dispute was not properly verified and that the account was reaffirmed without furnishing actual proof of liability.These inaccuracies harm my credit profile and may constitute willful noncompliance with the FCRA. 

4. 15-Day Deadline You are hereby notified that you have 15 days from the date of this letter ( XX/XX/year> ) to provide : - A full and complete method of verification,- All supporting documentation relied upon during reinvestigation, - The name and contact information of the individual or department at XXXX XXXX that verified this account.Failure to provide this information or correct these violations may result in : - A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), - Notices to the California Attorney Generals Office, - Initiation of civil litigation under FCRA 616 and 617 for statutory and actual damages.Please send the full results of your reinvestigation and an updated copy of my credit report to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: OH

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 - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-05-23 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I did a mobile deposit from my admended irs refund I got an email saying they got confidential information saying the check might not be cashed. I was confused. I called them. They asked me a few questions. I answered them then I get an email saying that the check will be cash but have a delay then another email saying it was accepted and then another email saying they close my account and it was gon na take 60 days they said they will send me my money if theres any left which I dont understand that part I may and 60 days I asked them to close my account immediately within 60 days and please dont let my check go through that I need it and I asked for a reason they said they will mail me a reason they never did. It says nothing about a reason why Im just confused. They shut my account down but not all the way. Nothing can go through. I cant pay nothing with it. I cant get money out but my money is sitting in there that I cant touch. I dont know. Its very confusing. Ive been banking with them for for at least a year I believe I have no negative balance. Its just very frustrating and they wont be a reason or my money back.

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 2025-05-23 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-23 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written permission.

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 2025-05-23 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: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief