vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I keep receiving emails about a XXXX XXXX account I dont have. For {$98.00}. I never received anything in the mail so I thought it was a scam.. I would never give my social security number to signup for a fitness membership. They have reported a collection to the credit bureaus I want this removed. I only own 2 membership XXXX XXXX  and XXXX XXXX  .. Its not even a XXXX XXXX in my area. How can they put something on my credit when I would never give any gym membership my social security number thats ridiculous..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Veros Credit, LLC
State: NM

Complaint narrative:
The loan provider blocked my ability to pay online by blocking my account and i was not reasonably able to make payments by any other methods because of my work schedule an obligations to my family. I told them about this an they mocked me an said they would be repossessing my vehicle anyways which left me with no transportation and because of this I was let go from my job. Also they broke the contract because it says that if it becomes unreasonably difficult for me to make payments the contract is null and void. Which they did just that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: DE

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

Company 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 2025-05-31 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: DE

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

Company 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I am submitting this complaint due to multiple inaccurate and conflicting updates on my credit report by XXXX regarding an auto loan account. 

The account was closed on XX/XX/year>. Despite that, a new balance of {$6200.00} was later added after the account was closed which violates FCRA 623 regarding accurate and complete reporting. Shortly after, the account was marked as Paid in full voluntary surrender, only to be changed days later to Involuntary repossession, leading to a significant negative impact of over XXXX points to my credit score. 

Most alarming, XXXX at one point reported that I owed {>= $1,000,000} on this auto loan a vehicle that was never worth anywhere near that amount. This outrageous and false figure is completely inaccurate and unjustified. It raises serious concerns about either gross reporting negligence or intentional misrepresentation under FCRA and FDCPA. 

On top of that, a previously active dispute remark ( Consumer disputes reinvestigation in progress ) was removed without any notification or explanation, violating FCRA 611 ( a ) ( 6 ) ( B ) ( ii ), which requires that I be provided the results of any reinvestigation and the method of verification used.

These actions have caused financial harm, emotional distress, and hindered my ability to access credit and housing. I am requesting the CFPB investigate XXXX and any involved credit reporting agencies, and that the account be fully corrected or removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: NE

Complaint narrative:
I was involved in a car accident my vehicle was totaled and I was offered a settlement amount from Exeter finance XXXX of 2025. I even asked if taking a settlement amount would affect my credit in a bad way and was told no. I also signed a document and nothing in thus document states negative reporting to a credit report and also was told it would show paid off. Its now showing as a derogatory report on my credit under late payment history and shows settlement paid less than what was owed. No not really I paid what I was told. If I ever knew it would affect my credit I would never have taken the settlement offer. Ive built up my credit for over 6 years to now have a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AL

Complaint narrative:
I sent dispute letters to Experian, Equifax, and Transunion regarding incorrect personal information being seen on my report. After the dispute, my information was still NOT fixed to correct the issue. I have submitted my driver 's license, bill, and my birth certificate to these companies and still nothing

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 2025-05-31 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: LA

Complaint narrative:
I have repeatedly disputed inaccurate and unauthorized items appearing on my credit reports with Experian, Equifax, and TransUnion. These include : An installment account from XXXX ( Account # : XXXX ) A collection account from XXXX XXXX XXXX ( Account # : XXXX ) A XXXX XXXX open account ( Account # : XXXX ) Numerous unauthorized hard inquiries ( see list below ) I have submitted formal disputes under the Fair Credit Reporting Act ( FCRA ), but each time, I received a vague form letter saying the items were verified without providing documentation or method of verification ( MOV ), which is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

I specifically requested : The method of verification used The name and contact information of the furnisher Documentation used to verify the disputes These requests were ignored or evaded. I believe the credit bureaus have failed to conduct a lawful reinvestigation and are in violation of FCRA 611 and 1681i. The continued reporting of unverified information is damaging my credit standing. 

I also disputed the following unauthorized hard inquiries as I do not recall giving consent : XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  and others I was told these inquiries were authorized without being shown proof or signed application documents. This is a violation of FCRA 604, which governs permissible purpose.

I have asked for verification and have received stall tactics. I believe the credit bureaus are willfully noncompliant, and I am asking the CFPB to intervene.

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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Saturday, XX/XX/year>, Capital One abruptly closed my credit card account after a brief period of responsible use, citing a vague and legally questionable explanation : that my activity on one or more of [ my ] accounts is inconsistent with typical consumer account usage. At the time, I was consistently making on-time payments and paying off my balances in full. 

On Saturday, XX/XX/year>, I asked a Capital One representative what credit data or source was used to make the decision to close my account, he told me that it was based on CreditWise. This raised immediate concern, as XXXX is not a credit bureau and can not legally be the basis for an adverse action decision. 

I informed the representative that CreditWise is not a Consumer Reporting Agency ( CRA ) and therefore can not lawfully serve as the source of any credit-based decision under the Fair Credit Reporting Act ( FCRA ). The representative apologized and acknowledged my correction, but could not provide any additional information - including which bureau or score type was actually used. 

This exchange confirms that Capital One has not provided the legally required adverse action disclosures and may be misrepresenting or misunderstanding the source of its credit decision-making, which is a direct compliance issue under the FCRA.

This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires companies to disclose the credit score used in an adverse action decision, the score type, bureau, date, and the specific reasons for the decision. 

I am filing this complaint to hold Capital One accountable for failing to comply with federal law and to request that they provide the disclosures I am legally entitled to. 

Capital One representatives stated they could not provide that information due to internal procedures. This is a direct violation of my right to a proper adverse action notice. I am also filing this formal complaint to ensure proper regulatory review and to prompt Capital One to provide the legally required disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: National Consumer Telecom & Utilities Exchange, Inc.
State: WV

Complaint narrative:
PULLED CREDIT NCTUE ACCOUNT AND IT SHOWS UTILITY ACCOUNTS THAT DO NOT BELONG TO ME THAT WERE ESTABLISH WHILE AWAY ON SEASONAL CONTRACTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MO

Complaint narrative:
I was approved for a legal mortgage forbearance through XXXX XXXX lasting four months, during XX/XX/XXXX to XX/XX/XXXX. At the end of this forbearance, I was instructed to call XXXX XXXX. I called them at the start of XXXX, as they instructed, and was then offered a written agreement by XXXX XXXX to move the missed payments to the end of my mortgage term, interest-free. 

I accepted their offer on time, called to confirm it, signed the agreement with a notary sent to my home ( arranged by them ), and returned it immediately. Since then, Ive paid on time and according to the new contract. 

Despite this, XXXX XXXX reported 120-day late payments to the credit bureaus. This has dropped my credit score from over XXXX to XXXX a devastating loss of XXXX points, especially after Ive made 100 % on-time payments with my credit cards and other accounts. 

When I called to respectfully ask why this had happened, the customer service representative yelled at me, stating : You were in a forbearance, that ended, you didnt pay what you owed, so we sent it to the credit companies. 
even though I complied with everything they asked, accepted their offer, and paid as agreed under the new terms. 

I was humiliated and shocked at how I was treated. Beyond the emotional toll, this incorrect reporting has likely disqualified me from getting a mortgage even though I acted in good faith and followed the proper process. 




I also request that the Consumer Financial Protection Bureau obtain and review the recorded phone call between myself and XXXXXXXX XXXX customer service ( date : [ insert approximate date of the call ] ), during which I was treated unprofessionally and falsely told I had defaulted despite following all agreed steps under the forbearance resolution offer.

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 2025-05-31 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: MO

Complaint narrative:
I was approved for a legal mortgage forbearance through XXXXXXXX XXXX, lasting four months, during XX/XX/XXXX to XX/XX/XXXX. At the end of this forbearance, I was instructed to call XXXX XXXX. I called them at the start of XXXX, as they instructed, and was then offered a written agreement by XXXXXXXX XXXX  to move the missed payments to the end of my mortgage term, interest-free. 

I accepted their offer on time, called to confirm it, signed the agreement with a notary sent to my home ( arranged by them ), and returned it immediately. Since then, Ive paid on time and according to the new contract. 

Despite this, XXXXXXXX XXXX reported 120-day late payments to the credit bureaus. This has dropped my credit score from over XXXX to XXXX a devastating loss of XXXX points, especially after Ive made 100 % on-time payments with my credit cards and other accounts. 

When I called to respectfully ask why this had happened, the customer service representative yelled at me, stating : You were in a forbearance, that ended, you didnt pay what you owed, so we sent it to the credit companies. 
even though I complied with everything they asked, accepted their offer, and paid as agreed under the new terms. 

I was humiliated and shocked at how I was treated. Beyond the emotional toll, this incorrect reporting has likely disqualified me from getting a mortgage even though I acted in good faith and followed the proper process. 




I also request that the Consumer Financial Protection Bureau obtain and review the recorded phone call between myself and XXXX XXXX customer service ( date : [ insert approximate date of the call ] ), during which I was treated unprofessionally and falsely told I had defaulted despite following all agreed steps under the forbearance resolution offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
XXXX XXXX To Whom It May Concern : Subject : DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIED HARD INQUIRIES VIOLATION OF FCRA This letter is being sent to you in response to your continued failure to remove unverified hard inquiries from my credit report, despite my previous written disputes and the filing of an official complaint with the Federal Trade Commission ( FTC ). 
Let me be clear and unequivocal : You are knowingly reporting inaccurate and unverifiable information on my consumer report. These unauthorized hard inquiries are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which clearly mandates that you are required to investigate and VERIFY disputed items with the original furnishers within 30 days of receiving a consumer dispute.

You have failed to do so.

If you had properly conducted a reinvestigation as required, you would have seen that no verifiable authorization exists for these inquiries, and thus they should have been removed immediately. Instead, you continue to knowingly publish and distribute inaccurate, damaging information on my credit file, constituting willful noncompliance.

Let me remind you : an inquiry is not verifiable unless the furnisher can provide PROOF of my written authorization for the pull. Generic statements from data furnishers claiming I " applied for credit '' are not sufficient under FCRA standards. Unless you can produce a signed application or equivalent written authorization for EACH disputed inquiry, you are legally obligated to delete them.

This is your FINAL NOTICE to : 1. Delete all disputed, unverifiable hard inquiries from my credit report immediately ; - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX 2. Provide me with written confirmation of the removals ; 3. Send me a complete, updated copy of my credit report reflecting these deletions.

If you fail to comply within 15 days of receipt of this letter, I will be left with no choice but to escalate this matter further by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General ; Seeking legal action for damages for your willful and negligent noncompliance with the FCRA, including but not limited to statutory, actual, and punitive damages.

I expect immediate and full 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 2025-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a report that I received a hard inquiry by capitol one on XX/XX/XXXX in which I did not request nor was aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I paid XXXX Indigo / CCI {$840.00} on XX/XX/year>, as verified by my XXXX XXXX  records. Despite this, XXXX  continues to report the account as 120 days late, damaging my credit. They closed the account and considered the issues resolved for XXXX to XXXX. Failed to post within a day of paying! Then erroneously reported late at 120 days on the XXXX when I made a full payment! I disputed this, provided documentation, and XXXX  responded by saying the item was updated yet it still reflects a false delinquency. This is a violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ). This issue is harming my credit rating even after I fulfilled my obligation and paid this malicious creditor in full while living out of my car!. I request full deletion or immediate correction and a Method of Verification ( MOV ) disclosure, Records and Resolution. UCC 1-305 all rights reserved. 

I am escalating a formal complaint regarding retaliatory negligence and bad faith credit reporting practices by XXXX Indigo/CCI and XXXX. 

I paid {$840.00} on XX/XX/year>, in full satisfaction of the XXXX Indigo account. Despite this payment, XXXX  still lists the account as 120 days past due after dispute, review, and documentation. This is not just inaccurate it is willfully fraudulent. 

XXXX  updated report reflects no correction, merely a status change that still damages my credit and suppresses my access to financial resources. I dispute this both on grounds of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information FCRA 1681s-2 ( b ) : Failure to correct or delete disputed information after notice This stands to show Indigo will never accept a debit card payment : they go through Concora. Interstate wire transaction and false reporting. Never posting the ACH payment made on the XXXX in a timely manner. Creating pending, posting issues with my account but not ever attempting to reach out in good faith Indigos continued reporting after full payment and XXXX  failure to act constitute bad faith, negligence, and potentially retaliatory harm against a consumer actively working to restore their financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/year> at XXXX I received a call from Midland Credit Management XXXX to file a legal lawsuit against me for a XXXX XXXX ( XXXX XXXX bill I have. I told the representative that I formerly paid my bills on time, but fell behind due to a loss of income source and taking care of my elderly mother who has XXXX. I was on the phone with the representative for over an hour. He kept threatening legal action. He offered a settlement plan of {$1600.00} which he stated would not include the added interest and fees. I asked for a better offer. He then offered {$1200.00} which he said was again without the added interest and fees. I felt pressured to take an offer because of his continual threats of legal action. After making the agreement and borrowing money from my nephew to make the initial payment of {$53.00}, I later found ( same day ) my XXXX debt letter that states the principal is {$1700.00}, {$760.00} in interest, and {$69.00} in fees. The Midland Credit representative lied. He included the interest and fees. His offer of XXXX XXXX  off the debt should have been off the principal. I immediately called Midland Credit and informed them of the deception. I found no willingness from Midland Credit to correct the wrong done.

Company response to consumer: Closed with non-monetary relief