vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC
State: GA

Complaint narrative:
This complaint is being filed against XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX for willfully violating federal law by reporting and maintaining a collection account on my credit report without first providing proper debt validation or verifying that this alleged debt belongs to me. 



Details of the Complaint : Creditor/Collector : XXXX XXXX XXXX XXXX ( if known ) : XXXX XXXX XXXX XXXX Account Number : XXXX Alleged Balance : {$790.00} Reporting Bureau XXXX XXXX XXXXXXXX : XXXX XXXX I have never received a proper debt validation notice from XXXX XXXX as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which mandates that debt collectors provide consumers with written notice of the debt and their right to dispute it within five days of initial contact. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), XXXX  is legally required to ensure that all information furnished and published in my consumer report is accurate and verifiable. Despite this, XXXX is actively reporting a potentially fraudulent and unverified account tied to my name, thereby violating its duty to maintain maximum possible accuracy. 

I formally dispute the validity and ownership of this alleged debt and demand immediate deletion of the account. I have not received any documentation proving that this debt belongs to me or that XXXX XXXX has the legal right to collect on it. 



Pre-Lawsuit Notice : This letter serves as a formal pre-litigation notice. If XXXX XXXX and XXXX do not remove the disputed account from my credit report immediately, I will pursue civil legal action for : Violations of the FDCPA ( 1692g and 1692e ), and Violations of the FCRA ( 1681e ( b ) and 1681i ). 

If unresolved, I intend to seek actual and statutory damages, attorneys fees, and any applicable punitive damages unde

r 15 U.S.C. 1681n, 1681o, and 1692k. Thank you for your attention to this matter. I trust the CFPB will hold both parties accountable for their noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: UT

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TN

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was a late payment on an account I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy according to 15 USC 1666b and 15 USC1681n. I have never been late on payments for the account disputed on XXXX with Experian to update XXXX  XXXX XXXX Account # XXXX. I requested an investigation and asked that they provide Proof with statements showing that this payment was late. Proof was NOT provided I demand this payment be updated to on time as they should be as I was NEVER late. 
In their response on the letter dated XX/XX/year>, I was only provided that the account was verified and updated. No proof was provided according to 15 USC 1666b. Again, I am requesting PROOF from the credit bureau and this late payment be deleted within 15 days or I was be forced to proceed with legal proceedings.

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 2025-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, Newrez collected {$50000.00} from my bank account so that I may recast my loan to decrease my monthly premium payments. Many weeks later and after a number of calls, they collected {$250.00} in XXXX for a state of XXXX  processing fee For the recast? Over XXXX months had passed with no information from the company and a number of calls from myself. Finally, Newrez acknowledged that Im not eligible because I have a XXXX  loan. 
Why did they accept the funds if I was not eligible in the first place? 
Why did they collect the state of XXXX  processing fee in XXXX for {$250.00}? 
Why did I never receive any notes or message that the application was underway or what any progress or status was? Are there any penalties or punishment for Newrez making that collection? 
Just for record, Newrez never reached out by correspondence or phone to note any progress or ask any questions of the recast application.

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 2025-05-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX account number : XXXX To Whom It may concern, I am in receipt of your company 's letter informing me you are handling the collect of the account mentioned above. However, after reviewing my records, I am unable le to find my documentation of my contractual relation between you, me, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for " verification '' or " validation ''.

This is request for Proof of Contract to substantiate your claim. Therefore, provide me a certified copy of an original contract, with my signature, specially naming your company as a person entitled to enforce a commercial claim against me.

Certification can be done through the presence if a notary public, who duly sears the copy made is in fact a copy of the original paper contract questions.

Your failure to respond and provide strict proof of contract will constitute your tactic agreement that ( XXXX ) is not entitled to enforce a claim against me. In event you continue your collection efforts against me without providing proof of contact, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. File a police report against you for harassment and invasion of privacy.

You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In the event you transfer this account to any attorney without providing proof of contract, he or she will be reported to the State Bar Association and Professional Liability Fund for code of ethics violations. 

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 2025-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-27 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal

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 2025-05-27 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: MI

Complaint narrative:
I am filing this complaint to dispute multiple duplicate hard inquiries that appear on my Experian credit report, which violate the Fair Credit Reporting Act ( FCRA ) and the principles of rate shopping protections used in credit scoring models. 

As of my XX/XX/XXXX Experian report, I noticed multiple hard inquiries from auto lenders and credit unions all dated XX/XX/XXXX, including : XXXX XXXX ( twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were made on the exact same dayXXXX XXXX XXXXand were clearly related to auto loan rate shopping. Under both FCRA guidelines and common scoring model practices ( e.g., FICO, VantageScore ), inquiries made within a short window ( typically 1445 days ) for the same type of loan should be grouped and treated as a single inquiry to avoid unfair penalization of consumers seeking the best financing terms. 

Despite this, Experian is continuing to report and count these as individual, separate hard inquiries. This misrepresents my credit-seeking behavior and negatively impacts my credit score, which is unfair and misleading. 

Violations and Concerns : Experian failed to consolidate same-day auto loan inquiries, contrary to rate shopping provisions and scoring model practices. 
The continued presence of multiple inquiries from the same date is materially inaccurate under FCRA ( 15 U.S. Code 1681e ( b ) ), which requires maximum possible accuracy in credit reporting. 
Experian failed to ensure the fair treatment of these entries during automated scoring and dispute review processes. 
Duplicate entries from XXXX XXXX, among others, suggest improper or unverified furnishing by the creditor or a lack of internal controls. 

Requested Resolution : 1. Remove or consolidate the duplicate and same-day hard inquiries related to auto loan shopping on XX/XX/XXXX, in accordance with FCRA standards and credit scoring model policies. 
2. Require Experian to provide a written explanation for how these inquiries were verified as accurate and why they were not grouped.

3. Compensate for any negative credit impact suffered due to these inaccuracies.

4. Ensure that any future inquiries of similar nature follow proper consolidation procedures. 

I am also submitting this to Experian directly and request a formal reinvestigation with supporting evidence of how these entries were verified. 

Supporting Documentation : Screenshot of Experian inquiries dated XX/XX/XXXX ( uploaded ).

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 2025-05-27 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: MA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
3rd party bought out 2 of my old credit cards from a couple years ago. Accounts been closed out but this company LVNV funding bought and there posting to credit report as original creditor and there not. Also there adding dates with in last few months of this year and these are old credit cards from like 2 years ago. Please remove this accounts for defamation of character. How can they state I have an account with them when there not a bank or credit card company they just buy debts cheap and try to collect without a written contract that is signed by consumer. Im seeking an attorney if this is not removed because I know my rights and they are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian XXXX XXXX XXXX XXXX and Credit Collection Services for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) concerning an allegedly delinquent account that is being illegally reported on my consumer credit report. 

Details of the Violations : Creditor/Collector : Credit Collection Services Account XXXX : XXXX Credit Bureau Reporting : XXXX This collection account was added to my credit report without any proper debt validation as required under FDCPA, 15 U.S.C. 1692g. I was never provided written notice of the debt or given the opportunity to dispute it within the 30-day window. Reporting this account without validation is a clear violation of my consumer rights.

In addition, this account is actively updating the payment history, which is falsely manipulating the date of last activity. This practice artificially extends the statute of limitations, potentially subjecting me to prolonged collection attempts and inaccurately affecting my creditworthiness. Such conduct may be a form of re-aging, which is illegal under the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) and a deceptive practice under FDCPA, 15 U.S.C. 1692e. 

This is an intentional and harmful violation of federal law that must be addressed immediately. 



Pre-Litigation Notice : This letter shall serve as a formal notice of intent to pursue legal action if the account is not promptly deleted. I will file suit under 15 U.S.C. XXXX and 15 U.S.C. XXXX for damages related to violations of my rights under the FDCPA and FCRA, including statutory damages, punitive damages, and attorneys fees. 

Thank you for your time and immediate attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NV

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I demand these accounts be blocked and removed within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MO

Complaint narrative:
My account had gone into the negative and on XXXX A deposit was made to bring the account back to a possitive balance. It is now 4 days later and I am unable to use my account because it still says my account is in the negative. I have called 8 times with absolutely no help at all just being told it will fix after the holiday and it is past the holiday and still saying I am negative. They say I have 5 pending transactions but only 3 are allowed to be seen and the will not post them for my eyes to see even though one is for my car radio subscription and on is my phone bill. Everyone I spoke to just pushed me off to the next or just didn't do anything. I want my account fixed. I am also not allowed to take screenshots of my own information.

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