vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shepherd Outsourcing, LLC
State: SC

Complaint narrative:
XX/XX/XXXX I received notification from my credit monitoring that a new account was added to my report. I checked and it was XXXX XXXX for XXXX ( see screenshots ) XX/XX/XXXX XXXX I called XXXX XXXX XXXX XXXX ) XXXX and they stated that Shepherd Outsourcing LLC is the new servicer of the debt and that I would have to contact them for more information and they provided me their number ( XXXX ) XXXX XX/XX/XXXX XXXX Spoke to an agent about getting the collection removed because I did not receive proper documentation notifying me that Shepherd is the new servicer of my debt. I did not receive this letter in order for me to have 30 days to respond with payment or dispute. Shepherd added the collection to my credit report on XXXX. The agent stated that its not illegal because its still owned by XXXX, which is not accurate. They are the new servicer that I pay. I wouldnt pay XXXX in order to resolve the debt. I asked the agent to transfer me to a sup and while doing so she disconnected the call. 

XX/XX/XXXX XXXX I called back to speak to another agent whose name is XXXX . XXXX informed me that the address that they had on file is XXXX XXXX XXXXXXXX XXXX XXXX. I have not lived at that address since XXXX and I have not lived in Florida at all since XXXX. The agent states this is why I MAY not have received the letter. She did not know for sure. Even so, it is not my fault nor responsibility that they did not have the appropriate mailing address as they should have done their due diligence. I have had other XXXX reach out to my new address and I for sure didnt provide that to them, so Shepherd has no excuse. XXXX then transferred me to her supervisor, whose name is also XXXX. XXXX stated that they can lower the balance but the balance they offered was too high. I stated that they should be willing to work with me on this for the simple fact that this is an old debt that they have now renewed as a collection. XXXX proceeds to argue with me stating that the debt is not old as it has only been 5 years which is incorrect. I have combed through my reports and the charge off was expected to fall off of my report in XX/XX/XXXX and that is why they added it to my account as a collection now, since they cant do it as a charge off anymore. All of this is illegal. 

And as you can see from the screenshots from my credit report they are listing new dates and changing dates which is illegal also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Deletion of Charged-Off Credit Card Account Violations of 15 U.S.C. 1635 and 1692g This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a charged-off credit card account reported by [ Creditor or Furnisher Name ], which currently appears on my credit report with the account number ending in XXXX. 
After conducting a full review of my consumer credit report and documentation associated with this account, I am disputing the legitimacy and continued reporting of this charged-off balance for the following reasons : 1. Violation of 15 U.S.C. 1635 Right of Rescission ( Truth in Lending Act ) : Under 15 U.S. Code 1635, in any credit transaction in which a security interest is retained or acquired in a consumers principal dwelling, the consumer has the right to rescind the transaction within three business days, or up to three years in cases where the required disclosures or rescission notice were not properly provided. 
While this credit card account was not secured by real property, the principle of material non-disclosure under TILA still applies to open-end credit when terms are inadequately disclosed, particularly regarding : Variable interest rates Late payment fees and penalty APRs Balance computation methods If the creditor failed to clearly and conspicuously disclose material lending terms under 12 CFR 1026.6 ( Regulation Z ), the underlying agreement may be unenforceable, and therefore any debt derived from that agreement may be invalid or subject to rescission or reformation.

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt ( FDCPA ) : If this charged-off balance has been placed with or sold to a third-party debt collector, I hereby assert that I never received proper debt validation as required under 15 U.S. Code 1692g ( a ).

Upon initial communication from a debt collector, a consumer must be provided with : The amount of the debt The name of the original creditor A statement of the consumers right to dispute the validity of the debt within 30 days A notice that, upon request, the debt will be validated in writing I never received this required notice nor any proof of assignment, itemized account history, or original signed agreement. If the debt was not validated, any collection efforts or reporting to the credit bureaus constitutes continued collection activity in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Deletion of Charged-Off Credit Card Account Violations of 15 U.S.C. 1635 and 1692g This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a charged-off credit card account reported by [ Creditor or Furnisher Name ], which currently appears on my credit report with the account number ending in XXXX. 
After conducting a full review of my consumer credit report and documentation associated with this account, I am disputing the legitimacy and continued reporting of this charged-off balance for the following reasons : 1. Violation of 15 U.S.C. 1635 Right of Rescission ( Truth in Lending Act ) : Under 15 U.S. Code 1635, in any credit transaction in which a security interest is retained or acquired in a consumers principal dwelling, the consumer has the right to rescind the transaction within three business days, or up to three years in cases where the required disclosures or rescission notice were not properly provided. 
While this credit card account was not secured by real property, the principle of material non-disclosure under TILA still applies to open-end credit when terms are inadequately disclosed, particularly regarding : Variable interest rates Late payment fees and penalty APRs Balance computation methods If the creditor failed to clearly and conspicuously disclose material lending terms under 12 CFR 1026.6 ( Regulation Z ), the underlying agreement may be unenforceable, and therefore any debt derived from that agreement may be invalid or subject to rescission or reformation.

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt ( FDCPA ) : If this charged-off balance has been placed with or sold to a third-party debt collector, I hereby assert that I never received proper debt validation as required under 15 U.S. Code 1692g ( a ).

Upon initial communication from a debt collector, a consumer must be provided with : The amount of the debt The name of the original creditor A statement of the consumers right to dispute the validity of the debt within 30 days A notice that, upon request, the debt will be validated in writing I never received this required notice nor any proof of assignment, itemized account history, or original signed agreement. If the debt was not validated, any collection efforts or reporting to the credit bureaus constitutes continued collection activity in violation of federal law.

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 2025-04-10 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had an account through Capital one that was my primary line of credit. I relied on it heavily when I was experiencing a period of financial hardship. I was informed that this account was closed- I also have no intent to pay this balance that is owed- essentially I paid my balance in full and due to a high volume of transactions it went back, and then I was able to pay off the whole amount the following day and the account was closed for the payment ( in FULL ) getting sent back. 

This was also the same time that the other complaint was made and it really made it difficult for me to pay bills and move forward out of debt when these two lines of credit were impacted, and it also seriously affected my credit score- paying these off isn't going to improve my credit score significantly and now I have lost my window of opportunity to purchase a home as my credit score and perceived debt to income ratio show negative.

I am trying to do my taxes from previous years to improve the debt to income ratio and try to improve my credit through other means without paying these companies that have almost a 50 percent profit margin on people like me more money. 

THE ISSUE IS THAT I CAN NOT ACCESS ANY OF MY STATEMENTS FOR THIS ACCOUNT ONLINE IN MY PORTAL. 

The account being closed should have nothing to do with accessing past account history or statements. there is not an option to have them mailed to me by year, either. 

I opened this account in XXXX of XXXX and it was closed in the fall of XXXX apparently I had been mailed XXXX XXXX XXXX at the end of last year, XXXX, but the only warning or correspondence I can find is in my Capital One app and not my email. I don't know where this mail is, and again I am trying to do my taxes and can not access the statement history from XXXX or XXXX. I believe credit and banking companies need to give you access to this information for seven years and I am not going to waste my time on the phone with someone who is going to coerce me to pay for this information when I am owed it already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: VA

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 explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 explanation
Consumer complaint received 2025-04-10 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: KS

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 2025-04-10 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) {$1700.00} XXXX XXXX XXXX XXXX ) {$860.00} XXXX XXXX XXXX ( XXXX ) {$220.00} XXXX XXXX XXXX ( XXXX ) {$510.00} XXXX XXXX XXXX ( XXXX ) {$190.00} XXXX XXXX XXXX XXXXXXXX ) {$94.00} I've reached out and sent certified mail to XXXX, Equifax, and XXXX the problems hasn't been resolved and I haven't received a response within the 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX. Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief