vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute the unauthorized hard inquiries listed on my credit report, dated XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries, and their presence violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. 1681b, which mandates that consumer reporting agencies only report information with the consumers consent.

Furthermore, I have identified inaccuracies in my payment history, which contravene the FCRAs requirement for accurate reporting. As per 15 U.S.C. 1681i ( a ), you are obligated to investigate and correct or delete any information that can not be verified as accurate. 

Given the recent settlement between the Consumer Financial Protection Bureau ( CFPB ) and XXXX concerning inaccuracies in credit reporting, I am particularly concerned about the integrity of my credit information. 

I demand that you : XXXX. Remove the unauthorized inquiries dated XX/XX/XXXX and XX/XX/XXXX from my credit report. 
XXXX. Correct any inaccuracies in my payment history to reflect accurate information. 
XXXX. Provide written confirmation of these corrections within five ( 5 ) days of receiving this letter.

Failure to comply within this timeframe will compel me to pursue legal action to seek damages resulting from the denial of credit opportunities, including credit cards and loans, due to these inaccuracies. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies available under the FCRA.

Please treat this matter with the urgency it warrants and confirm receipt of this dispute. You may contact me via mail or email should you require further information. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report Highlighting Disputed Items Supporting Documentation for Payment History Accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: MN

Complaint narrative:
Since XXXX, I have made payments totaling {$49000.00}, which exceeds my total purchases of {$48000.00}. However, Discover has charged {$27000.00} in interest and {$820.00} in fees, keeping me trapped in debt despite paying more than I originally spent. 
I have made regular payments, typically {$600.00} to {$700.00} per month, yet my interest continues to grow at an unreasonable rate. Please see the attached data sheet. Missing months had payments of $ XXXX {$700.00} and follow the pattern of previous months. I can provide the missing data through Discover Card statements if needed. This increases the amount paid in interest and payments made, but no purchases were made during the months with no data. 
Late fees have been applied even when payments were made consistently, further increasing my balance unfairly. 
I have requested that at least 50 % of the accrued interest be reduced and applied toward my principal balance, but Discover has refused. XXXX XXXX XXXX XXXX did reach out to Discover Card on my behalf last year, but Discover Card refused to work in good faith with me. 
These interest charges and fees appear to violate the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009, which requires that penalties be reasonable and proportional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-23 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: IN

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 2025-03-23 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: IN

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EGL US, LLC
State: GA

Complaint narrative:
Incorrect address. 
Never lived at XXXX XXXX XXXX XXXX XXXX XXXX is the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Debt Validation Request under FDCPA ( 15 USC 1692g Sec. 809 ) Dear Portfolio Recovery Associates, I am writing in reference to an alleged debt reported on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, I dispute the validity of this debt entirely and request complete validation of the same. 

According to my credit reports, the following account information is reported : Creditor/Collection Agency Name : Portfolio Recovery Associates Original Creditor : XXXX  XXXX  Account Number ( partially masked ) : XXXX Account Type : Open account ( XXXX ), Installment ( XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$2800.00} ( XXXX ), {$2800.00} ( XXXX ) Highest Credit Reported : {$2800.00} Account Status : " Seriously past due date / Assigned to attorney, collection agency, or credit XXXX 's internal collection department '' Last Reported Update : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Comments : Placed for collection Payment History : Multiple reports indicating the account is in collections ( CO ) As this information significantly impacts my credit history, I request the following documentation to verify the validity of this debt : Proof of responsibility for this debt : A copy of the original signed agreement or document confirming my obligation to the original creditor. 

Detailed breakdown of the amount owed : Complete details of all charges applied, including interest, fees, and any payments. 

Copy of the last billing statement sent by the original creditor. 

Amount owed at the time of transfer and any charges added thereafter. 

Information on the original creditor : Name and address of the original creditor and original account number. 

Date of debt transfer and the acquiring entity. 

Proof of your authority to collect : Legal documentation confirming your authority to collect this debt. 

Proof of your debt collection license in my state, including license number and regulatory authority. 

Additional required information : The original due date of the debt and the date it became delinquent. 

Confirmation that the debt is still within the applicable statute of limitations. 

Under the Fair Credit Reporting Act ( FCRA ), if you can not provide proper validation of this debt, I formally request its immediate removal from my credit reports. Continued reporting without valid proof constitutes a violation of FCRA regulations, and I may pursue appropriate legal actions if necessary.

If validation is not provided within the legally required timeframe, I will file formal, Federal Trade Commission ( FTC ), and other relevant regulatory agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I am formally disputing the inaccurate and illegally re-aged information being reported by XXXX XXXX ( XXXX ) on my credit report. Specifically, they have : Re-aged my account, changing the date of first delinquency to extend the reporting period in violation of FCRA 15 U.S.C. 1681c ( a ) ( 5 ).

Reported false delinquencies, listing the account as 60-90 days late despite payments being made.

Furnished misleading and deceptive information, in violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

Requested Action Under FCRA 15 U.S.C. 1681i, I demand that you : Conduct a thorough investigation into these inaccuracies. 
Correct and update my credit file to reflect the accurate payment history. 
Remove any re-aged or false delinquency information associated with XXXX XXXX. 
Failure to correct these violations within 30 days will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney General. Furthermore, I will explore legal action for damages under FCRA 15 U.S.C. 1681n & 1681o.

This letter serves as official notice under federal law. I expect a response and correction of these inaccuracies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the inaccurate and illegally re-aged information being reported by XXXX XXXX ( XXXX ) on my credit report. Specifically, they have : Re-aged my account, changing the date of first delinquency to extend the reporting period in violation of FCRA 15 U.S.C. 1681c ( a ) ( 5 ).

Reported false delinquencies, listing the account as 60-90 days late despite payments being made.

Furnished misleading and deceptive information, in violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

Requested Action Under FCRA 15 U.S.C. 1681i, I demand that you : Conduct a thorough investigation into these inaccuracies.

Correct and update my credit file to reflect the accurate payment history. 
Remove any re-aged or false delinquency information associated with XXXX XXXX. 
Failure to correct these violations within 30 days will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney General. Furthermore, I will explore legal action for damages under FCRA 15 U.S.C. 1681n & 1681o. 

This letter serves as official notice under federal law. I expect a response and correction of these inaccuracies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/year> was the date shellpoint mortgage company took out XXXX payments of {$260.00} when they only had the ok to auto deduct XXXX payment and they refused to refund the money back to account and I have placed XXXX complaints with shellpoint mortgage on this since date deducted so they have fraudulent stolen money out of my account causing me real hardship since I am on fixed budge. This is Shellpoint mortgage companyXXXX 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 2025-03-23 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I went to eat at XXXX in XXXX XXXX, XXXX, PR. There, they had claw machines with prizes where the payment tab indicated each play was {$1.00}. I used my XXXX XXXX app and played with my Penfed debit card. I played 3 times, for which the total should have been {$3.00}, yet when I verify my Penfed App it states that each play was {$5.00}, for a total of {$15.00}. I believe this is very unfair and I feel deceived, as nowhere in the machine or the payment tab it said the amount would be so much for each play.

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 2025-03-23 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. The fraudulent, inaccurate, and false information consists of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. To support my claim I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
On XXXX XX/XX/XXXX I have purchased a XXXX XXXX XXXX vehicle from XXXX XXXX in XXXX XXXX, Illinois. 
My XXXX XXXX war XXXX XXXX. 
He found a Lender to the car loan, that was Ally Bank. 
He used my Drivers License to fill out the required paperwork. 
I had XXXX witnesses with me in his office. 
He said it after the loan was signed Ally Bank will send me the Welcome Package and Loan Documents.

It has been over 30 days and I never received any documentation from Ally Bank. I have called Ally Bank to create a Payment online portal on their mobile App and it didnt let me do that because of incorrect information.

Ive spoken to several times with several Ally Bank associates and they told me their information about my Birthday is different.

They life to me each time when I told them to correct the error. They said it on recorded line they corrected the error and I can create the Log in profile within 3 days. I try to fulfill my obligation and pay my monthly loan amount but I cant because of Allys Bank lack of support.

Im emotionally exhausted over Ally Bank poor customer service. I am also without an advice what to do to protect myself from being reported to credit bureaus over missing payments.

Please help me to solve the problem. Advise me and take action on my behalf and to prevent my vehicle being repossessed because of Allys Bank lack of requested assistance.

Thank you. 

Please contact me directly if needed : Cell : ( XXXX ) XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These are the accounts that have been reported inaccurately on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NC

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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a CAPITAL ONE BANK XXXX credit card last XXXX. I used a friend 's referral link, which showed a {$250.00} reward for spending {$500.00} in 3 months. However, I never received the reward when I completed the purchase. I contacted capital one, and they explained that the offer was shown on the website when I applied, but it disappeared after I was approved, without any reason or notification. I felt that I was deceived and received false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed this account and it was removed from my credit reports. Now it is back on my reports and I want it gone completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is adversely affecting my financial well-being. I am cognizant of my rights under the Fair Credit Reporting Act and request a comprehensive investigation into these inaccuracies, as mandated by federal law. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for its alleged failure to conduct proper investigations in consumer disputes. The CFPBs lawsuit cited instances of sham investigations and other unlawful practices, including : - Conducting inadequate investigations that fail to address consumer disputes effectively. 
- Reinserting previously disputed and inaccurate information without providing an explanation. 
- Failing to notify consumers about the results of investigations in a timely manner. 
These allegations underscore systemic issues that directly undermine consumer protections and contribute to the widespread inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be handled in a manner that is inconsistent with these principles.

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 2025-03-23 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: FL

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