vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Requirements Relating to Reinsertion of Previously Deleted Material.

The item in question is listed as follows on my credit report : Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX This account was previously deleted from my credit report following a dispute. However, it has since been reinserted without compliance with the legal requirements for reinsertion, which include the following : 1. Certification of Accuracy As required by law, information that has been deleted may not be reinserted unless the furnisher ( XXXX XXXX ) certifies the information is complete and accurate. I was not notified of any such certification being made.

2. Notice to Consumer According to the FCRA, the consumer reporting agency is required to notify me in writing no later than 5 business days after the reinsertion. I did not receive any such notice from the credit reporting agency regarding the reinsertion of this account.

3. Additional Information Disclosure The consumer reporting agency also failed to provide the following required details within 5 business days of reinsertion : A statement that the disputed information has been reinserted ; The business name, address, and phone number of the furnisher ; A notice that I have the right to add a statement disputing the accuracy or completeness of the information.

The reinsertion of this previously deleted account without following the proper procedures is a direct violation of my consumer rights under 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 2025-04-05 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: MS

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$1300.00} 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I was called by this company with an attempt to attempt the remaining balance for a vehicle i owed. I asked the balance of the car when it was sold and the refuse to provide that information. The company is reporting different balances on my credit reports.

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 2025-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing Chases reporting of a closed credit card account that was inactive on my credit reports for over 11 years and 8 months. In XX/XX/XXXX, the account suddenly reappeared and was reported as newly delinquent, with a fabricated Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX. This appears to be a case of re-aging, which violates the Fair Credit Reporting Act ( FCRA ). 

I have billing statements from XXXX to XXXX, all showing the account was closed. Yet XXXX enrolled the account in a payment assistance program on XX/XX/XXXX, without my knowledge or consent. They also added a $ 70 monthly payment, increased my credit limit from {$5000.00} to {$5500.00}, and re-closed the account on XX/XX/XXXX, one day after I made a payment. I received no notification of any of these actions. 

I also experienced account access restriction and notification suppression : no access to Chases online banking for this account and no alerts about payment changes, program enrollment, or re-closure. 

My Experian report now lists an incorrect information, opening date ( XXXX instead of XXXX ), a fabricated highest balance of {$9700.00}, a XXXX drop in my XXXX XXXX. This update first occurred on XX/XX/XXXX but did not appear until XX/XX/XXXX. As a result, another major credit card issuer reduced my credit limit. 

This combination of inaccurate reporting, unexplained reappearance, re-aging and score impact caused real harm and appears deceptive. I am requesting the CFPBs assistance in compelling XXXX to delete this and provide documentation on how these entries were determined. Thank you

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 2025-04-05 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: CA

Complaint narrative:
I am disputing Chases reporting of a closed credit card account that was inactive on my credit reports for over 11 years and 8 months. In XX/XX/XXXX, the account suddenly reappeared and was reported as newly delinquent, with a fabricated Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX. This appears to be a case of re-aging, which violates the Fair Credit Reporting Act ( FCRA ). 

I have billing statements from XXXX to XXXX, all showing the account was closed. Yet XXXX enrolled the account in a payment assistance program on XX/XX/XXXX, without my knowledge or consent. They also added a $ 70 monthly payment, increased my credit limit from {$5000.00} to {$5500.00}, and re-closed the account on XX/XX/XXXX, one day after I made a payment. I received no notification of any of these actions. 

I also experienced account access restriction and notification suppression : no access to Chases online banking for this account and no alerts about payment changes, program enrollment, or re-closure. 

My XXXX report now lists an incorrect information, opening date ( XXXX instead of XXXX ), a fabricated highest balance of {$9700.00}, a XXXX drop in my credit score. This update first occurred on XX/XX/XXXX but did not appear until XX/XX/XXXX. As a result, another major credit card issuer reduced my credit limit. 

This combination of inaccurate reporting, unexplained reappearance, re-aging and score impact caused real harm and appears deceptive. I am requesting the CFPBs assistance in compelling XXXX to delete this and provide documentation on how these entries were determined. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
I am disputing Chases reporting of a closed credit card account that was inactive on my credit reports for over 11 years and 8 months. In XX/XX/XXXX, the account suddenly reappeared and was reported as newly delinquent, with a fabricated Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX. This appears to be a case of re-aging, which violates the Fair Credit Reporting Act ( FCRA ). 

I have billing statements from XXXX to XXXX, all showing the account was closed. Yet XXXX enrolled the account in a payment assistance program on XX/XX/XXXX, without my knowledge or consent. They also added a $ 70 monthly payment, increased my credit limit from {$5000.00} to {$5500.00}, and re-closed the account on XX/XX/XXXX, XXXX day after I made a payment. I received no notification of any of these actions. 

I also experienced account access restriction and notification suppression : no access to Chases online banking for this account and no alerts about payment changes, program enrollment, or re-closure. 

My XXXX report now lists an incorrect information, opening date ( XXXX instead of XXXX ), a fabricated highest balance of {$9700.00}, a XXXX drop in my XXXX XXXX. This update first occurred on XX/XX/XXXX but did not appear until XX/XX/XXXX. As a result, another major credit card issuer reduced my credit limit. 

This combination of inaccurate reporting, unexplained reappearance, re-aging and score impact caused real harm and appears deceptive. I am requesting the CFPBs assistance in compelling XXXX to delete this and provide documentation on how these entries were determined. Thank you

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HOVG, LLC
State: NJ

Complaint narrative:
I have attempted to dispute the inconsistency and incorrect information shown on my credit report as it is hurting my way of life. 15 U.S.C. 1681 They are showing accounts open and altering dates to stay on my report longer. Accounts that have been closed have been purchased by a debt collection agency which i have no contract or agreement with is trying to report that i own them when i do not. The accounts were closed and charged off. I should have received a schedule c 1099 to write as income but they have failed to provide and continue to harass and contact me without my consent. Company name is XXXX XXXX XXXX. I have no agreements or products with this company. They also show as original creditor when they are not they purchased the debt. This is a violation of my rights and needs to be deleted or they should face legal action and fines for falsifying information on my credit report. 
Section 623 ( a ) ( 1 ) ( B )

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 2025-04-05 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Requirements Relating to Reinsertion of Previously Deleted Material. 

The item in question is listed as follows on my credit report : Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX This account was previously deleted from my credit report following a dispute. However, it has since been reinserted without compliance with the legal requirements for reinsertion, which include the following : 1. Certification of Accuracy As required by law, information that has been deleted may not be reinserted unless the furnisher ( XXXX XXXX ) certifies the information is complete and accurate. I was not notified of any such certification being made. 

2. Notice to Consumer According to the FCRA, the consumer reporting agency is required to notify me in writing no later than 5 business days after the reinsertion. I did not receive any such notice from the credit reporting agency regarding the reinsertion of this account.

3. Additional Information Disclosure The consumer reporting agency also failed to provide the following required details within 5 business days of reinsertion : A statement that the disputed information has been reinserted ; The business name, address, and phone number of the furnisher ; A notice that I have the right to add a statement disputing the accuracy or completeness of the information. 

The reinsertion of this previously deleted account without following the proper procedures is a direct violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I am writing to formally notify you that Western Funding has failed to provide me with a post-sale deficiency notice following the repossession and subsequent sale of my vehicle. To date, I have not received any documentation indicating the amount for which the vehicle was sold, nor a breakdown of any alleged remaining balance that I am said to owe. The reposession occured in XXXX. 

Under Uniform Commercial Code ( UCC ) 9-616, a secured party is required to provide an explanation of the calculation of any deficiency following the disposition of collateral. Your failure to do so not only violates this requirement but also denies me the ability to verify the legitimacy and accuracy of the claimed deficiency balance. 

Furthermore, this account has been reported to the credit bureaus, and I have disputed the accuracy of this reporting multiple times. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, furnishers of information have a duty to investigate consumer disputes and provide accurate and complete information. Western Funding has failed to provide any verification or supporting documentation in response to my disputes, which is a violation of the FCRA. The most recent dispute was in XXXX of XXXX. 

As a result of this inaccurate and unverified reporting, I have suffered significant and unjust damage to my credit profile for the past two years, which has negatively impacted my ability to obtain credit, housing, and favorable financial terms for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-05 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XX/XX/year> - called to verify that my bi- monthly payments were being applied correctly and was told they were but my statement says I unapplied. {$600.00} twice a month. No action taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: CA

Complaint narrative:
i end a letter to validate the Debit bit no luck, and i ask for 1099 c bit nevber recieve anything

Company response to consumer: Closed with non-monetary relief