vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax for inaccurately reporting XXXX XXXX XXXX XXXX accounts identified as # XXXX and # XXXX, both listed as charge off since XXXX. These accounts appear on my Equifax credit report and are causing serious harm to my credit history. 

I formally disputed these accounts on [ insert date of your dispute ], and Equifax did not correct or remove the information. The current report shows logical inconsistencies regarding status and balance, which constitutes a violation of 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation and properly verify the disputed information ).

The CFPB Consent Order against Equifax in XX/XX/XXXX confirms that Equifax was fined {$15.00} XXXX for failing to correct errors, ignoring consumer evidence, and allowing improper reinsertion of previously deleted data. In addition, federal courts have rejected Equifaxs defenses when its investigations relied solely on the furnisher without reconciling evidence, such as in Equifax Motion for Summary Judgment Denied ( XXXX, XXXX. XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-09-30 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My XXXX XXXX XXXX accounts is showing 30 days late. I had a Kohls card that was switched to Capital One in XXXX of XXXX. I was not made aware of this change and did not receive notice I had an outstanding balance with Capital One. I received a notice from the credit agency I had a 30 days late in XX/XX/XXXX that was reported to my credit. Once I found out, I contacted Capital One and paid the account in full. Capital One did not have any of my contact information on file ( address, phone or e-mail ). They were only able to pull my information with my SSN. Because of that, I was required to do an ID verification which took several days to complete. The account verification complete on XX/XX/XXXX after I submitted information to have my account updated with my e-mail, phone and address. I had submitted a dispute, it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. I never received a letter regarding this case, given a case number or contacted in anyway regarding the dispute until I called XX/XX/XXXX. I never received a card in the mail from capital one when the account had switched from Kohls to Capital One, which is needed to create an account online. I requested a courtesy removal of this sent to Equifax and Transunion to have this removed from my credit report. Capital One should be at fault for this due to the lack of my contact information, lack of communication and did not contact me about this payment. I have had my Kohls card since XXXX and never had a payment issue or late payments until this switch to Capital One, which I did not chose, it was done through Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Shellpoint Mortgage Servicing and Newrez have added Escrow accounts twice without my knowledge. Once for Homeowners Insurance that I already had. Even after I faxed them proof I had it. This most recent unauthorized Escrow was for property taxes. Both times I was uninformed, therefore I was paying my regular payment without the added Escrow. They used this to say I was late on my payments and reported me to the credit bureau. This caused my credit score to fall almost XXXX points in a month! My Home is almost paid for. I feel they are using illegal and predatory practices to try and foreclose on us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX Bank XXXX. XXXX CARD XXXX and Credit Bureaus ( TransUnion, Experian, Equifax ) for FCRA Violations and Inaccurate Reporting To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, against XXXX XXXX Bank XXXX. ( XXXX XXXX XXXX ) and the credit bureaus Experian, Equifax, and TransUnion. All parties have knowingly reported and maintained false, conflicting, and unverifiable information that continues to harm my credit profile. 

Discrepancies and Violations Identified : 1. Balance Reporting Contradictions : TransUnion shows a high balance of {$4100.00}, Experian reports {$0.00}, and Equifax reports {$4100.00}. 
Account is reported as charged off/collection, yet balances of {$0.00} are listed inconsistently, which is contradictory and inaccurate. 
2. Credit Limit and Status Inconsistencies : TransUnion and Experian report a {$3300.00} limit, while Equifax reports {$0.00}. 
TransUnion shows Collection/Chargeoff, Experian lists Unknown, and Equifax lists Collection/Chargeoff Paid. These statuses can not all be true.

3. Creditor Remarks Conflict : TransUnion : Payment after charge off/collection dispute resolved.

Experian : Account was in dispute resolved by subscriber. Account legally paid in full for less than the balance.

Equifax : Paid charge off Amount in high credit original charge-off amount.

These remarks are contradictory and violate the FCRA requirement for accurate, consistent reporting.

4. Failure to Provide Validation : Despite multiple disputes, no signed contract or original documentation has been provided to prove this account is mine. This violates FCRA 1681b and FDCP
A 809 ( b ).

5. Failure of Reinvestigation : The bureaus continue to update without making corrections, which is a reckless disregard for the duty to properly reinvestigate under FCRA 1681i ( a ). 

Legal Notice and Demand : These inaccuracies damage my creditworthiness and demonstrate gross negligence and bad faith practices by both XXXX XXXX ( XXXX XXXX XXXX ) and the credit bureaus. 
If XXXX XXXX and the bureaus can not legally verify with original signed documentation, this account must be immediately deleted. 
Continued publication of false and conflicting data constitutes willful violations under FCRA 1681n and negligent violations under 1681o, making all parties liable for statutory damages, punitive damages, and attorneys fees. 

Requested Resolution : Immediate and permanent deletion of the XXXX XXXX CARD XXXX account from TransUnion, Experian, and Equifax. 
Written confirmation within 15 days that the deletion has been completed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
What is the complaint about? 
Debt collection Communication tactics, Validation of debt, Contacting third parties without permission. 

Who is your complaint against? 
XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX Complaint Summary : On XX/XX/year>, I was contacted by XXXX XXXX XXXX at XXXXXXXX XXXX PST in what was the first notice of any alleged debt. At XXXX XXXX they began calling my personal references despite having just spoken to me directly, and having no basis to believe my contact information was invalid. 

They never sent a letter to my current mailing address regarding this debt, as required by the FDCPA. During the phone call, a representative named " XXXX '' told me the debt must be resolved in 10 days, even though I have the legal right to request validation within 30 days of first notice. I explained that I could potentially resolve the matter by XX/XX/XXXX, but she became hostile, accused me of being aggressive, and I had to end the call due to her tone and behavior. 

I have now sent them a written request for debt validation, as well as a cease-and-desist letter requesting that all future communications be in writing, and that they refrain from contacting me by phone, at work, or through any third parties. 

What do you want the company to do to resolve your issue? 

Provide written verification of the alleged debt, including proof of their authority to collect. 

Stop all phone calls to me and my references or employer. 

Abide by FDCPA regulations and communicate only by mail going forward. 

Cease all collection activity until the debt is properly validated. 

Have you tried to resolve this already? 
Yes, I explained my situation over the phone, but was met with aggression. I also sent a formal written request for debt validation and cease-and-desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
Advanced Recovery Groups conduct is documented in three complaints : XXXX ( refusal to validate ), XXXX ( harassment/threats ), and XXXX ( unlawful restraint of funds ). 

They continue emailing me with demands for payment, screenshots, and release forms while refusing to provide validation as required under 15 U.S.C. 1692g ( b ). They have stated collections will continue despite my disputes. This is harassment and misrepresentation under 1692d, 1692e, and 1692f.

This is not a duplicate complaint but a clear pattern of misconduct. I request CFPB require ARG to cease collection until full validation is provided and escalate their compliance review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is XXXX XXXX credit card with Chase bank, i have be paying and one time i stop paying because the interest rate was too high and also adding more fees is like im not paying noting. 
They stop me using the Card and they continue to add more interest rate without using the card and more late fees. 
What i use for this Credit card was less than {$1600.00} and what i have paid so far for over XXXX yrs is more than what i use on this card. 
The rest is just late, interest and forward balance interest that now the total balance i own now is {$3300.00}. The credit limits they gave me was only {$2000.00}. 
Now the card is blocked i cant use but i continue to get late fees interest rate every months. 
Every month they add more than {$130.00} for more than XXXX yrs now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX, acting on behalf of XXXX XXXX, has seized or attempted to seize my personal property without proper validation. They restrained my XXXX XXXX account ( XXXX  ) in the amount of {$110.00} in 2023 and previously facilitated the seizure of {$5100.00} from my personal XXXX account. Despite my dispute and multiple demands for validation, they have refused to provide proof of service, chain of assignment, or lawful authority. 

Instead, they continue to threaten that collections activity will continue, misrepresent the judgment as being against both the business and me personally, and demand that I send screenshots of my XXXX XXXX balance and sign over funds through release forms and debit/credit card authorizations. These coercive and contradictory tactics are unlawful under the FDCPA ( 15 U.S.C. 1692d, 1692e, 1692f, 1692g ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-30 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: TX

Complaint narrative:
Ensure that deletions of disputed accounts comply with 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
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