vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Summary of Issue : I had a court-ordered repayment plan for a XXXX debt, which was handled by XXXX & XXXX XXXX XXXX. For XXXX full years, I made consistent automatic payments totaling over {$5000.00}. There was XXXX NSF alert on XX/XX/XXXX, but I resumed payments immediately in XXXX. No warning or outreach was made about escalation. 

In XX/XX/XXXX, I received a letter stating I owed {$640.00} due to interest and a missed payment. I immediately attempted to settle for a previously offered {$330.00}, which I was ready to pay. I called multiple times, was disconnected, and left voicemails without response. I later spoke with an agent named XXXX, who acknowledged my frustrations and stated she would escalate my case for review. 

Despite my efforts and communication, the company ignored my settlement request, failed to confirm anything in writing, and proceeded to take the full amount of $ XXXX garnishment amountwithout offering any transparency or fair resolution. 

This company used stonewalling tactics, ignored my XXXX years of good faith payments, and pushed through a garnishment without honoring prior discussions. I believe their actions are unfair, predatory, and deceptive under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence. 

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my XXXX and only address for the past 20 years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file.

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report. 2.Provide written confirmation of the a
ccounts deletion within 30 days.

3.Cease and desist from any further reporting of this account.

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the inaccurate and inconsistent reporting of my credit report by TransUnion and Experian regarding an XXXX XXXX account. I am concerned that both bureaus are in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), by failing to correct this error. 

XXXX has already accepted to delete the disputed XXXX XXXX account from my credit report, as confirmed in their official response. However, TransUnion and Experian have refused to delete the same account, resulting in clear inconsistency and inaccuracy between the reports from the XXXX major credit bureaus. This discrepancy suggests a failure to maintain accurate and uniform data, which violates the XXXX XXXX requirement for accurate reporting. 

Additionally, I have serious doubts about the investigation and verification processes conducted by TransUnion and Experian. Given that XXXX has already resolved the issue by removing the account, I question the thoroughness and fairness of the investigations conducted by the other XXXX bureaus. This lack of proper investigation into the accuracy of my credit report is causing harm to my creditworthiness and preventing me from obtaining fair credit opportunities. 

I respectfully request that the CFPB investigate this matter further and take appropriate action to ensure that TransUnion and Experian correct their inaccurate reports. These actions should include the removal of the XXXX XXXX account from my reports, in alignment with the decision made by XXXX. I also request that I receive written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your assistance in ensuring that my rights under consumer protection laws are upheld. 

Thank you 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 2025-03-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: MA

Complaint narrative:
I spoke to XXXX XXXX on XX/XX/year> regarding debt consolidation and was told to stop paying my credit cards and my XXXXredit score would go up between 6 to 12 months. I would make calls to them periodically to inquire why something didnt seem right as my credit scores never went back up and continue being told I didnt have enough money in my escrow and suggested I pay more. When I spoke to several representatives last week, I was given an apology for the miscommunication and that XXXX should never have told me that and they were going to review the recordings and call me back and they have yet to do so. I have been requesting a refund of the money they took from me as they supposedly were making settlements, but pretended like I didnt have enough money in my escrow account, but they took all of the agreed upon fees for themselves in full instead of paying the debt that I accrued out of my own money in the account and were intended for payment on my debts. I feel I have been taken advantage of and misled and feel I have been victimized of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
My car was unlawfully repossessed on XX/XX/2025. 
XXXX XXXX XXXX XXXX XXXX XXXX  My car was lifted with me in it. The repo agents also entered my buildings private garage to get to the car. They used a fraudulent document misleading the police to believe they had the authority to take my car. I informed them and the police multiple times that I did not consent to having my car taken and that they needed to return with a court order. Additionally the lien holder on the document is false. It is listed as XXXX XXXX. I confirmed the next day with Honda Financial Services that the only lien holder on the car is and was Honda Finacial. Honda is not mentioned on the document aside from the name and model of my car. I was also told if I did not get out of the car force would be used.

The above violates UCC 9-609 regulations and the NJ Consumer Fraud Act.

Additionally, when the repo men lifted my car he sped up when he saw me approaching my vehicle and immediately reversed and hooked and lifted the car with me in it. The repo men also dropped my car and drove it out of the garage. Their truck had no license plate, no decals or other identifiable information, and blacked out windows. 
The penalties for the violations that occurred during the repossession of my car exceed the balance Honda Financial is seeking for the car.

Additionally, it can be enforced that Honda Financial Services is longer able to collect on the debt due to the repo men breaching the peace. This is confirmed in UCC-609 and UCC-9-625.

I made several calls to Honda Finacial Services requesting to settle this matter with someone who has the authority to do so. I have called numerous times since XXXX XXXX XXXX and no one has called or emailed me.

At one point, the excuse that a manager was on vacation for a few days was given. 

Today, XX/XX/2025 I called and was told my car was scheduled to be sent to auction. During previous calls which I have recorded and Honda Finacial Services has recorded, it was confirmed that my car would not be touched or auctioned until this matter is resolved. No one has spoken to me or made an attempt to do so. All these delays are extremely distressing and costing me money, let alone an extensive loss of work as I am a delivery driver. Honda Financial is liable for their contracted agents and this must be taken care of immediately to prevent further injury.

I am attaching a police report, a recorded call confirming Honda WILL NOT auction my car until resolved, photos of the unidentifiable tow truck, video with me lifted in car, a witness statement, violations, damages and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: AL

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 explanation
Consumer complaint received 2025-03-26 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: PA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time XXXX reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. The information listed below is incorrect and should be corrected or removed as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Account Name : XXXX XXXX  Account Number : Not available Disputed Item ( s ) : Charge off asked for it to be removed from credit report inaccurate information listed. Multiple request for 1099C from creditor and not given. Multiply addresses listed, names, employment, and one address belongs to someone else. 
According to the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XXXX ), it has been established that Experian has failed to conduct reasonable reinvestigations, provide complete dispute information to furnishers, and notify consumers accurately regarding the results of reinvestigations. The lawsuit states that Experian has : 1. Failed to forward all relevant information to furnishers when consumers dispute inaccurate items ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ).

2. Over-relied on furnishers ' responses, even when Experian had evidence that the furnishers provided unreliable information.

3. Failed to provide clear and accurate dispute results, often sending misleading or contradictory reinvestigation notices.

4. Failed to reinvestigate certain disputes, including hard inquiry disputes, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

As a result of these findings, I am demanding that Experian fully comply with the FCRA and properly investigate my dispute by : Forwarding all relevant information I provide to the original furnisher.

Conducting a reasonable reinvestigation beyond simply relying on the furnishers response. 
Providing me with a clear and accurate report of the results of this reinvestigation. 
Enclosed with this letter are supporting documents that validate my dispute. If Experian fails to correct this inaccurate information or conduct a lawful and reasonable reinvestigation, I will consider pursuing further legal action, including filing a complaint with the CFPB and the Federal Trade Commission ( FTC ). 
Please provide written confirmation of your actions regarding this dispute within 30 days as required by the FCRA. If the disputed item is not removed or corrected, I request a detailed explanation, including the method used to verify the information. 
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 2025-03-26 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: GA

Complaint narrative:
I have no Knowledge of this account, company or contract. Therefore the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my accounts ending in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation under 15 USC 1681S2A credit bureaus must report accurate information under 15USC1681i the credit bureaus must perform a reasonable investigation with in XXXX days. None have provided sufficient evidence to support the negative 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 non-monetary relief
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my accounts ending in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation under 15 USC 1681S2A credit bureaus must report accurate information under 15USC1681i the credit bureaus must perform a reasonable investigation with in XXXX days. None have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
On XXXX XXXX, I looked at my credit report, and noticed some inaccuracies. I sent a letter to XXXX XXXX Equifax asking them to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent letters certified mail & they did the investigation they sent back the information & said the accounts was verified. And according to the 15 USC 1681i ( 5 ) i see it states after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and has violated my rights. I sent a report back on XXXX XXXX & I still haven't seen a change. I need this account deleted because it's not fair that a car company can report something false on your credit report & get away with it. I'm done trying make things right with this company. I need it deleted within XXXX or next step is contacting my lawyers & also XXXX does not match will also provide License. Resolution : Please update and delete these accounts XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I have hard inquiries on my credit report I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. 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.

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