vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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 have a number of old charge offs that never leave my credit reports because the companies keep reporting different dates instead of using the date of the original delinquency. They were all from around the summer of XXXX but they've changed it to XXXX and XXXX etc... They essentially keep moving the goal post and I've proven by now, especially with a current credit score of XXXX that I am no longer a risk. 
The other thing, is that I do have a collection with XXXXXXXX XXXX from around the same time that I have been paying religiously since XX/XX/XXXX. Am I correct that it should come off my credit on XX/XX/XXXX or should it be off now because, again, the original delinquency was summer of XXXX? The XXXX date is the date I settled the collection. 
I can really use someone in my court because I've worked really hard to correct the problems I had back then. I have tried disputing with the companies but they always side with the company and can't even tell me when it's meant to come off. Can you help?

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 2025-04-01 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 have a number of old charge offs that never leave my credit reports because the companies keep reporting different dates instead of using the date of the original delinquency. They were all from around the summer of XXXX but they've changed it to XXXX and XXXX etc... They essentially keep moving the goal post and I've proven by now, especially with a current credit score of XXXX that I am no longer a risk. 
The other thing, is that I do have a collection with XXXXXXXX XXXX from around the same time that I have been paying religiously since XX/XX/XXXX. Am I correct that it should come off my credit on XX/XX/XXXX or should it be off now because, again, the original delinquency was summer of XXXX? The XXXX date is the date I settled the collection. 
I can really use someone in my court because I've worked really hard to correct the problems I had back then. I have tried disputing with the companies but they always side with the company and can't even tell me when it's meant to come off. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mortgage Research Center, LLC
State: NJ

Complaint narrative:
I have a XXXX XXXX with XXXX XXXX. 

In XX/XX/year> I started asking XXXX XXXX for payoff quotes.

The quotes they provided were too large so I paid them in smaller amounts over the past XXXX weeks. 

As of XX/XX/year> my account ( including the Escrow ) is over {$6000.00} more than what I actually owe on the XXXX XXXX 

XXXX XXXX is refusing to close the loan and refund me what's left. 
They are instead trying to send past payments I've made back to my bank and trying to keep my VA loan open. They say it's their policy to only close loans if the borrower sends them a Certified check in the mail or executes a Wire transfer to them. 
But they already have over {$6000.00} more of my money than I owe. 
They refuse to help me resolve this. 

Previous Veterans XXXX XXXX told me in the past month that if the balance owed was {$2000.00} or less they could close my VA loan with a simple electronic money transfer as opposed to a Wire Transfer or Certified check being mailed to them. 

This evening I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX. They refused to close my account and insisted they would be sending my latest deposit back to my bank because the payment was sent to them by Certified check or Wire Transfer. This despite the fact that they already are in possession of the money and additional excess funds in the Escrow portion of the account.

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 2025-04-01 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXXG AND XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX has a charged off and account and assigned to XXXX XXXX for collection and now XXXX and XXXX XXXX. 

I asked XXXX XXXX and XXXX and XXXX to provide verification they owned the debt or that they are authorized to collect. Meaning a copy of the contract with Cap 1. Waiting until the day of court to respond in cowardly. Once I asked for the verification or authority to collect all efforts to collect must stop until provided. Neither Capital one, XXXX XXXX or XXXX and XXXX provided such documents. 

XXXX and XXXX did not provide the documents and XXXX weeks later filed a law suit. After filing a CFPB complaint, they provided several monthly statements. This is not what I asked for and both Cap 1 and XXXX XXXX XXXX know it. 

Send me the contracts between CAp1 and XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. 

The law suit is in bad faith as XXXX entities now know what I want. I did file a motion to dismiss and a hearing will be set. This is a complete waste of my time as I am XXXX and unable to work. My XXXX income, military pension and home are expemt from any judgment you may obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In the conversation on XX/XX/2025 in which we discussed a payment agreement on my auto loan. As agreed in our conversation, I will be able to make weekly payments in the amount of {$170.00}. I will be responsible for paying the payment arrangement and the rest of the payments until I have the account in perfect condition.

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 2025-04-01 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: SC

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX- {$1600.00}

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 2025-04-01 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. 

Complaint Details : On XX/XX/year> I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX World Finance Corporation , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I submitted a dispute to XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> via online requesting supporting documentation to prove the inaccuracies. 
XXXX failed to conduct a reasonable investigation and did not correct the errors within the 30-day period required by law.

As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress.

Under 15 U.S. Code 1681o, XXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : 1Ensuring XXXX corrects the inaccuracies on my credit report. 
2Imposing appropriate penalties for their negligence. 
3Requiring XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. 

I urge the CFPB to take swift action to hold XXXX accountable for their negligence. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. 

Complaint Details : On XX/XX/2025 I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit Adjuster XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
I submitted a dispute to XXXX on XX/XX/2025 ; XX/XX/2025 ; XX/XX/2025 ; XX/XX/2025 ; XX/XX/2025 via online requesting supporting documentation to prove the inaccuracies. 
XXXX failed to conduct a reasonable investigation and did not correct the errors within the 30-day period required by law.

As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress.

Under 15 U.S. Code 1681o, XXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : 1Ensuring XXXX corrects the inaccuracies on my credit report. 
2Imposing appropriate penalties for their negligence. 
3Requiring XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. 

I urge the CFPB to take swift action to hold XXXX accountable for their negligence. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: MS

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 2025-04-01 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: MS

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 2025-04-01 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : XXXX  - Account # : XXXX XXXX XXXX XXXX XXXXXXXX  - Balance : {$420.00} - Account # : XXXX XXXX - Balance : {$280.00} - Account # : XXXX XXXX XXXX XXXX 
- Balance : XXXX XXXX Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : XXXX  - Account # : XXXX XXXX XXXX XXXX XXXXXXXX  - Balance : {$420.00} - Account # : XXXX XXXX - Balance : {$280.00} - Account # : XXXX XXXX XXXX XXXX 
- Balance : XXXX XXXX Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX aa person name XXXX XXXX went to my online wellsfargo bank and set up a e-bill to be sent to XXXX XXXX and XXXX each {$1500.00}. I have proof of payment sent and it clearly shows her name as client but used my checking account with the e-bill. I noticed this right away on XX/XX/XXXX as Wells Fargo sent me an email the two ebills were sent. I called right away to the fraud dept and informed them of this to file a claim. Now on XX/XX/XXXX I was informed my two claims have been denied as they feel it was NOT FRAUD. How can they do this. My name is NOT on the e-bill. Isnt this a clue. I am asking for some help in this matter. If you need to call me I will be more than happy to give me peoples name I have spoken too. Which Is a lot of people Please see attached proof of payment sent

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has reported to XXXX that I'm an " authorized user '' on a delinquent account. This is a fraudulent account as I didn't authorize it or use of my information. This is not my account. Capitol One said they can not remove me from this account without the account holder 's authorization. I have no idea who the account holder is. Capital One told me I would need to dispute this account with XXXX ( which I have done ). XXXX said it will take 30 days to investigate. Meanwhile, this is preventing me from obtaining a mortgage on a home I'm buying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer financial protection bureau ( CFPB ) is issuing a final rule amending regulation V, which implements the fair credit reporting act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. This must be removed immediately as it is going against the Fair Credit Reporting Act.

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 2025-04-02 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: GA

Complaint narrative:
My consumer report was improperly used due to some closed account that I do not authorize to report on my credit was being reported according to 15 USC code 1692e this is false and misleading please kindly remove these closed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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