vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> 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
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Account Midland Credit I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail with a receipt displaying my signature. If not please delete this account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-05-19 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: NJ

Complaint narrative:
Summary of Complaint : I am filing this complaint against Equifax Information Services LLC for failing to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX standards, and UDAAP protections under the Dodd-Frank Act, in connection with their handling of a credit dispute involving the XXXX XXXX XXXX XXXX XXXX Despite submitting a formal dispute ( first on [ insert original date ] and again on [ insert second date ] ), Equifax : XXXX. Failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ).

2. Did not provide any evidence or documentation supporting the accounts accuracy, in violation of FCRA 609 ( a ) ( 1 ).

3. Did not disclose the method of verification, as required under FCRA 611 ( a ) ( 7 ). 
XXXX. Continues to report multiple technical errors in violation of XXXX XXXX guidelines, including : o Contradictory payment and charge-off data ( XXXX XXXX, XXXX, XXXX ) o Incorrect account type ( XXXX  XXXX ) o Missing monthly payment history XXXX. Failed to mark the account as disputed, which is a direct violation of FCRA 623 ( a ) ( XXXX ) and materially impacts my creditworthiness. 
XXXX. Used automated systems ( e-OSCAR ) without human review, violating 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 Engaged in a deceptive and abusive practice by claiming the account was verified, without providing any proof or actual validation a violation of UDAAP 12 U.S.C. 5531.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a personal and business banking relationship with BMO Bank, formerly known as XXXX XXXX XXXX XXXX, for the past XXXX years. They have unjustly closed XXXX of my accounts and refuse to provide me with information regarding the reasons for these closures. I feel I have been personally discriminated against. XXXX of the XXXX accounts were closed in XX/XX/year>, and I have not received all the funds from my previous accounts. My most recent account was closed on XX/XX/XXXX. I have contacted the bank several times by phone and visited a branch, but they have not provided me with any information. 

A team member named XXXX informed me that the back office conducted an investigation regarding my account and decided to terminate our relationship. When I inquired about the specifics of the investigation, she refused to provide any additional information. She also mentioned that any letters sent regarding the account closure would not explain the reasons behind it. I feel that I have been personally discriminated against as a XXXX XXXX XXXX XXXX. I have always provided the bank with all the necessary legal and business information for my accounts, so this situation feels very unjust. Furthermore, I have not received any of my funds from my accounts.

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 monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint Against Capital One Debt Collection Call Refusal to Identify Date of Incident : XX/XX/year> Time : XXXXXXXX XXXX  PST Phone Number They Called From : XXXX Description of Incident : On the above date and time, I received a phone call from XXXX. The caller asked to speak to someone named XXXX XXXX and said it was regarding a personal business matter. 

When I asked the caller to identify who they were and what company they represented, they refused to tell me unless I first verified who I was. I explained that I could not provide personal information until I knew who I was speaking with. The caller became confrontational, rebutted my response, and then hung up. 

When I later called the number back, I found out it was Capital One.

This call appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to identify themselves and disclose the name of their company before requesting personal information.

Requested Action : I request that the CFPB, FTC, and/or appropriate state agency investigate this practice and take action to ensure Capital One ( or its representatives ) complies with federal law regarding proper identification in debt collection calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is inaccurately reporting a repossession on my credit report for a XXXX XXXX that was returned under a Lemon Law buyback due to serious safety-related manufacturer defects. 

The vehicle was subject to multiple federally recognized recalls, including : XXXX XXXX XXXX : Voltage regulator chip failure causing stalls or no-starts XXXX XXXX XXXX : Oil pump failure leading to engine stall XXXX XXXX XXXX : Faulty software triggering false dashboard alerts These defects rendered the vehicle unsafe, qualifying it for Lemon Law remediation. Despite this, XXXX XXXX continues to report the vehicle as repossessed, which is materially false and misleading. 

I have been disputing this with Experian, Equifax, and TransUnion since XXXX and provided documentation proving the lemon law buyback. However, the credit bureaus have continued to verify this inaccurate information or failed to remove it, in violation of their duties under the Fair Credit Reporting Act ( FCRA ). 

As a direct result of this false reporting : I was forced into a predatory auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been denied refinancing repeatedly, which continues to cause financial harm Legal Violations : By XXXX XXXX XXXX XXXX Furnisher ) : 15 U.S. Code 1681s-2 ( b ) : Failure to investigate and correct inaccurate reporting after being notified XXXX XXXX XXXX XXXX  ( a ) : Furnishing information known or reasonably believed to be inaccurate XXXX XXXX XXXX XXXX ( g ) : Liability for damages from negligent or willful reporting By Experian, Equifax, and TransUnion ( Credit Bureaus ) : 15 U.S. Code 1681i ( a ) : Failure to delete information that can not be verified accurately 15 U.S. Code 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy I have uploaded my identity as well

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 2025-05-19 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: OK

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 2025-05-19 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: OK

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX notified me that and account was opened, it was first progress through synovous, it was opened for XXXX and they used XXXX, i filed for identity theft and also have a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern I am demanding the immediate deletion of the inaccurately reported collection account by XXXX XXXX XXXX from my credit file due to clear violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

The same alleged debt is being reported under multiple, inconsistent account numbers across all three major credit bureaus : - XXXX XXXX Account # XXXX - TransUnion : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX This is misleading, confusing, and factually inaccurate. It may also constitute duplicate reporting or re-aging of debt, both of which are illegal under federal law. Furthermore, if this debt can not be validated with accurate documentation proving ownership, balance, and chain of assignment, it must be deleted immediately. 

This is a formal dispute and demand for deletion, not correction.

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 2025-05-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-05-19 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-05-19 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Account was close, company will not return positive credit on 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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer. 
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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : 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