vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt ( Remove all Inquiries ) - 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 2025-04-30 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: 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 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 2025-04-30 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: MA

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and remove inaccurate and misleading information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

I have submitted multiple disputes regarding this account, yet Experian continues to retain the derogatory reporting without providing any valid proof or documentation to support its accuracy. Despite repeated efforts to resolve this matter, Experian has failed to take corrective action, demonstrating a pattern of willful noncompliance. 

Most recently, I disputed the account on XX/XX/XXXX. Experian responded by stating the account was updated, but made no actual corrections or changes to the derogatory information. This violates the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), which requires a reasonable reinvestigation and a clear Method of Verification ( MOV ). No such documentation or explanation was ever provided. 

Furthermore, the account contains multiple XXXX XXXX compliance violations : Account status is inconsistent across credit bureaus : Experian and TransUnion list the account as Closed, while Equifax lists it as Open. 
Date of Last Activity ( XXXX ) is inconsistent : Experian and XXXX report XX/XX/XXXX ; Equifax reports XX/XX/XXXX, risking illegal re-aging. 
The account is listed as a charge-off with a {$0.00} balance, and shows it was purchased by another lender, yet Experian still reports it as delinquent. 
The comment Unpaid balance reported as a loss by credit grantor is misleading and fails to reflect the true nature of the accounts resolution. 

Experians continued reporting of this unverifiable account is a violation of FCRA 1681e ( b ), which requires that only accurate and verifiable information be reported. I have also submitted a recent dispute via Experians online portal, constrained to XXXX characters, and again received no resolution or evidence supporting the tradelines legitimacy. 

This ongoing inaccurate reporting is materially harming my credit profile and preventing me from qualifying for a home loan a serious financial consequence caused by Experians negligence and noncompliance. 

I am requesting the CFPBs intervention to require Experian to delete this account entirely from my credit report due to failure to verify, provide documentation, and adhere to federal law and XXXX XXXX standards after multiple failed disputes.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a final account statement charging me {$410.00} for XXXX XXXX and additional utility reimbursements. However, I have proof that I maintained and paid for electric service directly through the utility provider for the entire XXXX  months of my lease ( XX/XX/XXXX XX/XX/XXXX ). 

I contacted the property management office and spoke with XXXX, who acknowledged the error and assured me that my account balance would be adjusted. Despite my repeated follow-ups, the promised adjustment was never made. The incorrect balance of {$690.00} was subsequently sent to a collection agency ( BounceAI ), which is now negatively impacting my credit report. 

I am requesting a correction of the inaccurate balance and removal of the collection account from my credit reports, as the charges in question were assessed in error and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MS

Complaint narrative:
I have requested Experian to have old addresses that has been tied to relatives of mine removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX parents address XXXX XXXX XXXX XXXX, XXXX XXXX grandmothers address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX husbands sister old address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX parents old address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX incorrect information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have requested Experian to have old addresses that has been tied to relatives of mine removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX parents address XXXX XXXX XXXX XXXX, XXXX XXXX grandmothers address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX husbands sister old address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX parents old address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX incorrect information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This account is over XXXX XXXX XXXX and has been removed from one credit report but not the other two should be removed from the other two

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account is over XXXX XXXX XXXX and has been removed from one credit report but not the other two should be removed from the other two

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subject : Complaint Against Equifax for Failure to Properly Investigate Dispute and Stall Tactics To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I tried to look up info about the pnc virtual wallet so they could send me something about it in the mail. Instead they opened up an account, sent me a statement so I instantly called ( several times ) and asked that they close the account. Everyone I spoke to said the account was closed. So next thing I know I get more notices in the mail, & another statement saying I owe {$6.00}. So I Visited the branch & they made me pay {$6.00} or they would ruin my credit. So I paid the {$6.00} & told them that I was going to report them to everyone. It was def a scam, I am on a fixed income & could not afford to pay extra money for something I didnt even want.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: KS

Complaint narrative:
Mutual of Omaha realtor Yes this summer I had a lot of equity in my house so I wanted to do a reverse mortgage I contacted Mutual of Omaha out of Arizona the guys name was XXXX XXXX I asked him what was the best option for me a cash out refinance or reverse mortgage I told him my age XXXX he said Mutual of Omaha could not do reverse mortgages later I found out they did he said you only want to do a cash out refinance so during the summer we worked on this he said cash out refinance works on credit score a reverse mortgage doesnt I found out later he said to qualify we have to pay off your debt to make me eligible there was {$45000.00} in equity they made out checks and had me send to the creditors leaving me with hardly anything I short of money anyways so I was pressed for time I started getting loans from these loan companies I thought well if I pay off this debt I can get another loan to pay off these temporary pay day companies but it got worse my credit dropped from XXXX to XXXX I couldnt qualify for a traditional loan now Im facing bankruptcy I trusted the information he gave me saying that a cash out refinance was best option for me no a reverse mortgage was for my age XXXX XXXX and Im a XXXX XXXX so now but he told me that Mutual of Omaha didnt do reverse mortgages they sent advertisements asking me to sign up for reverse mortgage so am I basically just out of luck? I could have used that money and had no mortgage payment with a reverse mortgage I qualified I was misled with bad information I trusted them they are the experts as soon as they close the deal they sold the mortgage to XXXX XXXX. I never did actually make a payment to them. we began the process in XXXX and it didnt get done until XXXX and they didnt tell me how much I was going to get or they didnt tell me that I had to pay off creditors and my credit score was fine. I didnt have to boost it up to qualify. Theres no way I should have got that money I would have on a reverse mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I am submitting this formal complaint against Carvana and its affiliated lender, XXXX XXXX XXXX, regarding a fraudulent vehicle loan transaction on XX/XX/XXXX that violated the * * Truth in Lending Act ( TILA ) * * and other consumer protection laws. The transaction was induced by dealer fraud, and despite sending a valid * * Notice of Rescission * * and * * Revocation of Power of Attorney * *, the lender continues to maintain a fraudulent account.

* * Details of the Complaint : * * 1. * * Dealer Fraud and Truth in Lending Violations : * * The vehicle sale was executed without full and proper disclosure of the loan terms, as mandated under TILA. Carvana provided misleading and incomplete information that materially impacted my understanding and acceptance of the financing agreement. These misrepresentations constitute dealer fraud and violate federal lending laws. 

2. * * Refund of Down Payment as Admission : * * Following my complaint of Truth in Lending violations, Carvana refunded my * * {$5300.00} down payment on XX/XX/XXXX which I consider a tacit acknowledgment of their wrongdoing in the transaction. 

XXXX. * * Notice of Rescission and Revocation of Power of Attorney : * * Upon identifying the fraudulent conduct, I formally issued both a * * Notice of Rescission * * and a * * Revocation of Power of Attorney * * to Carvana and XXXX. These legal notices were sent via certified mail, and I have received delivery confirmations from both companies. These documents legally terminated any authority Carvana had to act on my behalf and rescinded the fraudulent transaction in accordance with my rights under TILA. 

XXXX. * * XXXX Failure to Comply : * * Despite proper notice and confirmed receipt, XXXX continues to report the loan account to credit bureaus and has not honored my rescission. This continued reporting of a voided and rescinded loan is causing ongoing damage to my credit profile and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

5. * * Consumer Harm : * * The failure to close and delete this fraudulent loan account has caused me financial and reputational harm. It has negatively impacted my creditworthiness, resulted in denials for credit, and exposed me to unlawful collection activity. Furthermore, I have made principal and interest payments on a loan that should never have been created, compounding the harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc.
State: KS

Complaint narrative:
After requesting this company no longer contact my friends and family, they continue to call them in attempt to reach me. I do not request to be called from this company and prefer communication via US mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
RE : [ Portfolio Recovery Associates LLC ], This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. ( PORTFOLIO RC, Account Number : XXXX, ) This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

" Estoppel by Silence '' Precedent Definition : " Estoppel by Silence '' is a legal principle that prevents a person from making a claim in court if they previously remained silent, despite having the duty and opportunity to speak, and their inaction caused harm to another party who relied on that silence. 

Legal Application : This doctrine applies when someone, knowing that another person is acting under a mistaken assumption, fails to correct the misunderstanding and later tries to benefit from it. 

XXXX XXXX : XXXX XXXX XXXX, XXXX Md. XXXX ( XXXX  ) In this case, the court ruled that a landlord who remained silent while their tenant planted crops, which would mature after the lease expired, was estopped from denying the tenant the right to harvest those crops after the lease ended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have a collection agency trying to collect on a debt that I never entered into a contract with. The original Credit Card company sold the debt & the collection agency has threatened to turn it over for legal action. They have made this threat 2 times, both times with a XXXX overnight delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief