vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by ConServe, a collection agency collecting on behalf of XXXX XXXX XXXX XXXX. The account number ends in XXXX and is currently being reported to XXXX and XXXX. 

There are multiple inaccuracies in how this collection account is being reported : 1. Inconsistent Date of Last Activity : While the account open date is consistent across both bureaus, the Date of Last Activity differs between XXXX and XXXX. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires that data be reported accurately and uniformly. 
XXXX. No Payment History Provided : There is no payment history associated with this account. Under the account details section, it simply states that no payment history is available. This lack of transparency and detail makes it impossible to verify the validity or accuracy of the account as reported. 

These issues are materially misleading and may violate the FCRAs standards for complete, accurate, and verifiable credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
Company financed me a vehicle at a large interest rate and loan amount. Finance company never gave me a copy of my title. When trying to get my title, theres other people names on the loan contract as primary people of the title and my insurance now insurance which is telling me that these people are still over my auto loans. The first loan that I never received a title for because the loan is in these people name, Im still having to pay after my vehicle was totaled. The payout went to whomever these people are. Im concerned because I am now paying a new loan and still having to pay the previous loan. I feel something is wrong and illegal. My XXXX  suggested that I make a complaint since the company blamed my XXXX  for not giving me my title transfer on the first loan. Its seems like theres some people running a scam ring. My credit has been affected. Ive had my XXXX  stolen. Its like someone has taken over my identity. My insurance is with XXXX and these people are still on my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I found an incorrect debt on my credit report. I contacted Portfolio Recovery Associates and told them the debt wasn't mine. This was in 2004. The amount was {$950.00} for a card I'd never had. Someone had moved into an apartment I had previously lived in and signed for a " pre-approved '' card in my name. Now I have received a Summons for Motion to Revive Dormant Judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Truist Bank closed my account because I am the representative payee for my aunt 's SSA. 
I was advised by Truist customer service that XXXX i received from my aunt to pay her bills was flagged as suspicious. Her bank XXXX cleared the XXXX, and it was credited into my Truist checking account. 

Truist closed my checking account with XXXX and told me I will have wait 30 days for a cashier check No suspicious activity occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: VI

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX BANK XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$840.00} Charge Off XXXX XXXX XXXX BANK Account Number XXXX Open Date XX/XX/XXXX Balance : {$670.00} Charge Off XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$850.00} Collection XXXX XXXX  XXXX Account XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$10000.00} XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection XXXX Account XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX CARD XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX BANK XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$840.00} Charge Off XXXX XXXX XXXX BANK Account Number XXXX Open Date XX/XX/XXXX Balance : {$670.00} Charge Off XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$850.00} Collection XXXX XXXX  XXXX Account XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$10000.00} XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection XXXX Account XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX CARD XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
I am writing to request the removal of the following information from my credit report, which has resulted from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to request the removal of the following information from my credit report, which has resulted from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I submitted a Verification of Debt Request to Credit Control , LLC in response to an email I received from them on XX/XX/XXXX advising they were trying to collect a debt for XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a written response from XXXX XXXX XXXX as a response to my verification of debt. This response did not come from Credit Control , LLC who I submitted the verification of debt request to. I have not received a response from Credit Control , LLC. 
XXXX XXXX XXXX was previously trying to collect on this debt from XXXX XXXX XXXX. I previously submitted a verification of debt to XXXX XXXX XXXX on XX/XX/XXXX. They did not provide me the information I requested in that validation of debt or my follow ups with them. I filed a complaint with the CFPB on XX/XX/XXXX Compalint ID XXXX against XXXX XXXX XXXX XXXX 

In the verification of debt request I submitted to Credit Control Corp I asked for the following proof that was not included or provided. The new response I received from XXXX XXXX XXXX still does not provide all the information below I requested from Credit Control Corp : The complete and signed contract for the debt obligation which is the subject matter of thisdispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that Iagreed to pay the amount you claim that I owe ; Identify and accurately describe any third-party costs for which you are charging me, andthat you have included in the disputed amount along with a complete itemization of all suchcharges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account. 
Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have adebt collection license from that location, including the license number and the contact information of the agency that issued the license. 
The CFPB and the Fair Debt Collection Practices Act prohibits debt XXXX from abusive, unfair or deceptive practices. I believe that Credit Control , LLC and XXXX XXXX XXXX are being deceptive in their actions to collect this debt. The verification of debt I submitted to Credit Control , LLC has not been answered and the response I received was from XXXX XXXX XXXX. Neither Agency has provided the needed documentaion to verify this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had a late payments on my account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on these following dates XX/XX/year>. im now requesting you investigate this account and update these payments to pay it on time immediately. Thank you for your understanding and prompt action please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received promotional material in the mail to upgrade my Capital One { XXXX ) credit card to a XXXX XXXX credit card. The XXXX card had a rewards cash balance of {$1500.00} which was converted to air miles. Had I been aware that this was going to happen I would have not have accepted the offer. I accepted the offer on XX/XX/year> and noticed the change five days later. My first contact concerning this problem with Capital One was on XX/XX/year> and was followed with conservations on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX on which I was informed that this process couldn't be reversed. I would like to have my cash rewards back ( the full amount ) not just 50 % they are offering. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how or why it's there. I routinely check my report and have never seen anything like this before. I even refreshed the browser thinking it was a glitch, but the issue remained. Im extremely frustrated and demand that the documents I submitted be reviewed immediately to prevent this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I was sent a collection letter from National Enterprise Systems that stated they were authorized to settle an account in full for {$2300.00} on or before XXXX. There was not an option to dispute the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide a written notice ( often called a " validation notice '' ) that includes your right to dispute the debt. If they fail to do so, they are in violation of 809 ( a ) of the FDCPA ( 15 U.S.C. 1692g ). Key FDCPA Violation : Failure to Provide Validation Notice The FDCPA 809 ( a ) mandates that within 5 days of initial communication, the collector must send a notice stating : 1. The amount of the debt. 2. The name of the creditor. 3. A statement that you have 30 days to dispute the debt ( or it will be assumed valid ). 4. A statement that if you dispute the debt in writing within 30 days, the collector must provide verification. 5. A statement that upon your request, the collector will provide the original creditors name and address ( if different ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: OH

Complaint narrative:
I lost my purse with all of my personal items including my phone in the middle of 2022, shortly after I started receiving calls and emails about accounts and payments that are not mines. I received emails saying my information was listed on the dark web. I reported the theft and the accounts popping up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Glory LLC
State: NC

Complaint narrative:
I heard about credit glory and decided to give it a go to try and rebuild my credit and fix my poor credit score I am now over XXXX XXXX in with them and they do not provide me with answers and only want me to buy subscriptions with other companies, I do not have the money to put into that and this all was not disclosed while opening and account to attempt to repair my credit I think they are fraud and I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX  I requested debt validation no response this have been reported before and put back on I sent a cease and desist as well. 
In addition, I draw your attention to the recent case XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which directly addresses the obligation of creditors and debt collectors under the FCRA. In this case, the court ruled that when a debt collector reports information that can not be properly verified or substantiated, they are in violation of the FCRA and liable for damage caused to the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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