vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ), account ending in XXXX. This account is being reported inaccurately and inconsistently across credit bureaus and violates multiple sections of the Fair Credit Reporting Act ( FCRA ).

The account is reported as an Open Account, when in fact, it is a collection account for a charged-off debt that was purchased by a debt buyer. 

Payment history, charge-off amount, and date of last payment are missing, making the report incomplete. 

The date of first delinquency is listed as XX/XX/year>, but XXXX XXXX reports the placed for collection date as XX/XX/year>, which appears to be re-aging of the debt. 

XXXX reports different information than other bureaus : it labels the account Open, has a different Date Updated, and omits charge-off details.

I disputed this account and it was marked verified without a meaningful investigation or proper validation. These inconsistencies and omissions violate FCRA 623 ( furnisher duties ) and 605 ( re-aging ). 

I am requesting that this account be deleted from my credit reports with all credit bureaus, as it is not being accurately or consistently verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ), account ending in XXXX. This account is being reported inaccurately and inconsistently across credit bureaus and violates multiple sections of the Fair Credit Reporting Act ( FCRA ).

The account is reported as an Open Account, when in fact, it is a collection account for a charged-off debt that was purchased by a debt buyer. 

Payment history, charge-off amount, and date of last payment are missing, making the report incomplete. 

The date of first delinquency is listed as XX/XX/year>, but XXXX XXXX reports the placed for collection date as XX/XX/year>, which appears to be re-aging of the debt. 

TransUnion reports different information than other bureaus : it labels the account Open, has a different Date Updated, and omits charge-off details.

I disputed this account and it was marked verified without a meaningful investigation or proper validation. These inconsistencies and omissions violate FCRA 623 ( furnisher duties ) and 605 ( re-aging ).

I am requesting that this account be deleted from my credit reports with all credit bureaus, as it is not being accurately or consistently verified.

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 2025-03-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # ending in XXXX, Account name : # ending in XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # ending in XXXX, Account name : # ending in XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # ending in XXXX, Account name : # ending in XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Transunion XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Didnt apply for credit from these places Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Didnt apply for credit from these places

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I placed a freeze on the experian reporting file to freeze my experian, XXXX and XXXX  account. I attempted to have a creditor look into my credit report yesterday but they are stating that there is still a freeze on the account even though I see that it is unfrozen. 

I attempted to contact experian today over 5 times and the only option they have is to use the XXXX XXXX with no live contact to any customer service and then the phone tells you it will disconnect the call. 

Can someone please contact them to let them know that we need to have a way to speak with a live person so they can check their systems for any possible glitches in the software? 

These are the contact numbers that I have that was given to my by your agency : XXXX Experian XXXX  XXXX XXXX  XXXX Sincerely 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year>, I was the victim of fraudulent account access at Robinhood, where an imposter sold my stocks and initiated a wire transfer without my consent. Despite my immediate reports to Robinhood Support, I received no meaningful assistance.

Robinhood failed to protect my account, violating consumer protection laws under the Electronic Fund Transfer Act ( EFTA ) by not reversing the unauthorized transactions within the required 10 business days.

I demand the CFPB investigate Robinhoods handling of unauthorized transactions and require them to : Reverse the fraudulent sale of XXXX XXXX and XXXX XXXX shares Reimburse me for any lost funds from the fraudulent wire transfer Improve its fraud prevention and customer support policies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex savings bank sent me an email XXXX they said if I opened and high yield savings account and deposited at least XXXX and left it in there for at least 60 days they would pay me a XXXX bonus. I did that, to date the deposits total XXXX with no withdrawals, and they havent paid the bonus. Ive called them 4 times since XXXX and their response is always the same, they will open a ticket and let me know. They have never followed through, I always have to call them and they continue to stall me. They shouldnt be allowed to back out of an offer that they made after I have fully complied with the rules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This company is committing fraud and I am a victim of their scheme of targeting consumers with hopes of receiving monetary gain. I have expressed to this company multiple times that this debt does not belong to me and also requested debt validation from them. They failed to provide me with all of the requested information and continue to report an account that is not mines to the credit bureaus every month of sums totaling over XXXX I requested the following : 1. Proof of alleged debtor Identification 2. Proof of alleged debtor Social Security Number 3. Agreement that states your authority to collect on this alleged debt. 
4. Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor.

5. Alleged account number.

6. Date this alleged debt became payable.

7. Original delinquency date. 8. Verification that this debt was assigned or sold to collector.

9. Complete accounting of alleged debt.

10. Name and address of the bonding agent for Collection Agency in case legal action becomes necessary.

They are not licensed in the state of Texas to even be doing this.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Submitted standing payment instruction to Mohela XX/XX/XXXX to have all additional private student loan payments ( payments made in addition to the regularly occurring monthly payment due of principal/interest ) to be applied to principal balance only. Received written response from Mohela XX/XX/XXXX that they would honor this instruction and have any accrued interest that is paid as part of the additional payments, re-applied to principal within XXXX business days of payment. Additional {$3000.00} payment was made XX/XX/XXXX including approximately {$72.00} interest. This interest has yet to be re-applied to principal. Reached out to Mohela 3 times regarding this - XX/XX/XXXX response indicated the re-application would now take XXXX days ; XX/XX/XXXX response indicated would now take 45 days ; XX/XX/XXXX response indicated would now take XXXX business days. XXXX regular monthly payment was made since then ( XX/XX/XXXX ) in which the principal to interest ratio would not have been applied correctly since the XX/XX/XXXX additional payment was not applied solely to principal. Additional {$3000.00} payment has been made XX/XX/XXXX and has yet to have the approximately {$70.00} interest re-applied to principal. This cycle will continue where the principal to interest ratio of regular monthly payments will not be correctly applied, resulting in more interest being paid through the life of the loan than appropriate. The plan is to continue making additional principal only monthly payments over the next 2 years to have the loan paid off by the end of XXXX. At the current rate of re-application, significantly more interest will be paid by the time the loan is paid off and a refund check must be issued at that time. Lawyers will also be involved if the issue is not addressed immediately per written agreement from Mohela XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i disagree with the account listed below which still appears on my credit report even after your investigation, i would like this item immediately investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX acct number : XXXX in accordance with the fair credit reporting act public law 91-506 title VI section 611 subsection 611 subsection A-D, please provide the names and business addresses of each individual which whom you verfied the above so that i may follow up. please send me updated copy of my credit report after your investigation

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 2025-03-24 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: CA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-24 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OK

Complaint narrative:
I am disputing a debt reported by Jefferson Capital , Inc., as I have never entered into any agreement with them to owe or repay money. The alleged debt originally belonged to XXXX, but XXXX has since sold it, meaning they no longer have the legal right to collect on or report the debt. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this debt be removed from my credit report unless Jefferson Capital , Inc. can provide proper validation. Specifically, they must provide documented proof of the legal transfer of the debt, a breakdown of the amount owed, and a signed agreement proving my obligation to pay them. If they can not provide this information, the debt is inaccurately reported and must be deleted per FCRA guidelines.

I have not received any such validation from Jefferson Capital , Inc., nor have I agreed to any arrangement with them. Since XXXX has sold the debt, it is no longer their right to collect, and Jefferson Capital , Inc. must prove they have the legal authority to do so. If they fail to provide proper documentation, this debt should be removed from my credit report immediately.

I request that the CFPB review this matter and ensure that Jefferson Capital , Inc. complies with all relevant consumer protection laws. 

The amount is currently {$1100.00}. My account number is XXXX and the JCS reference number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I have credit/debit cards in my name that were sent to an address that I never stayed. I have addresses tied to my name that until a week ago never even heard of. I have reached out to many of the credit card customer service numbers and they are starting an investigation into the matter. I will also get a police report and contact my lawyer just in case i will need him for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
I am reaching out to dispute an unauthorized credit inquiry that has appeared on my credit report. I want to be absolutely clear : I never gave permission to access my credit, and this inquiry is completely fraudulent.

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