vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
This is a formal complaint against the credit reporting agencies XXXX  and Experian, and the creditor XXXX XXXX, for multiple willful violations of the Fair Credit Reporting Act ( FCRA ). The disputed account ( # XXXX * * ) was previously deleted and has since been reinserted without legally required notification. Furthermore, the information reported is materially inaccurate, inconsistent, and damaging to my personal and financial wellbeing. Legal Violations and Detailed Errors : 1. Illegal Reinsertion Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) : After this account was previously removed from my credit report, it was later reinserted without providing me with written notice within five business days, as required by law. This reinsertion occurred without explanation or validation, violating the FCRA and my rights as a consumer. 2. Materially Inaccurate and Contradictory Reporting ( FCRA 607 ( b ) ) : The information reported by TransUnion and Experian is inconsistent : - TransUnion lists the account as Charge-Off with a {$0.00} balance and no credit limit. - Experian reports a {$15000.00} balance, labels the account as Charge-Off with a Voluntary Surrender status. - Dates of last activity, payment, and charge-off also differ. Such discrepancies violate the requirement to report information that is complete and accurate. 3. Failure to Conduct a Proper Investigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Upon previous disputes, neither bureau provided proper validation or corrected the data. Re-reporting the account in its flawed state shows a lack of reasonable investigation into the dispute, violating the FCRAs mandates. Personal Impact Statement : This inaccurate and illegally reinserted account has severely affected my life : - I have been denied critical lines of credit and essential financing. - My credit score has been unfairly and significantly lowered. - Ive endured XXXX XXXX XXXX and frustration trying to fix a situation I am not responsible for. - As a responsible parent and professional striving to rebuild my finances, this situation places unnecessary strain on my financial growth and mental wellbeing. Requested Action : I respectfully request that the CFPB investigate this matter urgently and enforce the following : - Immediate and permanent deletion of the XXXXXXXX XXXX account from all credit reports. - Written confirmation of the results of the investigation. - Sanctions or oversight to ensure that such willful violations do not continue. Thank you for your time and swift attention to this matter. 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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX with a balance of {$1200.00}. The account was opened on XX/XX/year>, and remains open and unpaid. I dispute the accuracy and validity of this debt for the following reasons : 1. Lack of Validation : I requested validation of the debt, including a detailed breakdown of the charges and evidence that I am legally obligated to pay the amount. To date, I have not received sufficient documentation or proof that this debt is accurate or valid.

2. Disputed Status Ignored : I have disputed this debt with the credit reporting agencies, yet it continues to be reported as unpaid without any indication of an active dispute. This violates the Fair Credit Reporting Act ( FCRA ), which requires that disputed debts be clearly marked as such. 
XXXX. Inaccurate Reporting : The account balance remains unchanged since it was opened, suggesting no effort has been made to verify, update, or resolve the matter. If the debt were legitimate and valid, I believe updates would reflect at least some communication or adjustment. 
XXXX. Potential Violation of My Rights : I believe Progressive and/or the debt collector handling this account may be in violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to report inaccurate information and failing to provide validation upon request.

I am requesting that the CFPB investigate this matter and require Progressive ( or their authorized collector ) to provide a complete and verified validation of the debt, or remove the account from my credit reports entirely.

Relief Sought : Validation of the debt including a copy of the original agreement and itemized charges Correction or removal of the account if it can not be validated Mark the account as disputed in compliance with FCRA during the investigation Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Current car loan is around 10.5 % interest, already paid over 12 months off. Looked to refinance due to increased credit score. Went to multiple lenders, but received ad from Capital One, who I already have had car loan through before that was paid off, as well as several credit cards. Using their app, they guaranteed a prequalify with 8.89 % interest. Have attached proof and auth number. When I signed up to finalize, all rates are 10.52 % XXXX % to finalize loan. Bait and switch by Capital One. I have other offers from other companies as low as 6.69 % for XXXX refi auto loans, Autopay and XXXX, but savings is negligible and I was hoping to use a company I already have relationship with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I was looking for a Lender for a Mortgage loan. On XX/XX/scrub>XXXX XXXX XXXX  the first lender pulled a hard copy report from Equifax. It dropped my score by XXXX point. On XX/XX/XXXXXXXX XXXX  I decided to compare rates and had another Lender pull my credit report. The second pull dropped it XXXX points. On XX/XX/XXXX I called Equifax to find out why it dropped it so much It didnt drop at the other XXXX credit bureaus because they considered the fact that you will shop around for the best rates on your Mortgage or even a car in a certain amount of time wont be held against you, On XX/XX/year> I called Equifax as the gentleman I talked to couldnt answer my question as to why both pulls were counted against me. He informed me that I should take my credit reports to my Credit Union or a financial advisor and have them look over them which I did. I bank at the XXXX XXXX XXXX XXXX XXXX and took all XXXX to a loan XXXX there. She advised me that something did not seem right because both pulls were done in the normally allowed time limit. Nothing else on my credit report had changed. I called Equifax back the next day and explained what I was told. This gentleman said he would have to expedite my call and that maybe the software they use didnt catch the fact that they were both pulls for shopping for the best Mortgage rate. Its now been XXXX weeks and I havent heard back from them. XXXX XXXX XXXX XXXX I called them again. The gentleman I spoke with kept saying it was because it was XXXX different Mortgage companies pulling my Credit report. I read to him off of their own website what it says about shopping around for Mortgage rates and if done in the allotted time it shouldnt be held against you. I asked for my.call to be transferred to a XXXX and was told they would tell me the same thing and I wasnt transferred. After handing up I called around to several more Mortgage Lenders getting the same response. They have never run into this problem before and it should not have been held against me and that it dropped my score by XXXX points was outrageous.I have followed all the steps Equifax told me to do with no resolution to this. So now you have to take the first Interest rate on a home or a car without comparing rates and it affecting your credit so drastically? I would just like answers. Thank you in advance XXXX for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Account Information and Demand for Immediate Action - Violation of the Fair Credit Reporting Act This letter serves as a formal dispute regarding the patently inaccurate information listed on my credit report. The continued reporting of this inaccurate information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which unequivocally mandates that credit reporting agencies ensure the maximum possible accuracy of all information they report. 
I hereby demand that you immediately cease and desist from reporting the following inaccurate account information : Creditor Name : LVNV This account is being reported as " charged off, '' yet it simultaneously reflects an outstanding balance. This dual reporting is fundamentally contradictory and demonstrably inaccurate. Established credit reporting guidelines clearly state that once an account is officially charged off by the original creditor, the reporting of an outstanding balance should be discontinued, as the debt has been accounted for as a loss. 
The persistent reporting of an outstanding balance on a charged-off account strongly suggests one of two scenarios, both of which represent a clear failure to adhere to the FCRA 's accuracy requirements : * Improper Continued Collection : The original creditor may be improperly continuing collection efforts while simultaneously reporting the account as charged off, creating a misleading representation of the account status.

* Erroneous Charge-Off Reporting : The " charged off '' status itself may be inaccurate, while an actual balance remains under active management and reporting by the creditor. 
Given these blatant inconsistencies and inaccuracies, I demand the immediate deletion of this entire account from my credit file. As a consumer, I possess the irrefutable right to a credit report that is both accurate and fully compliant with federal law. Your agency 's continued failure to maintain compliance with 15 U.S.C. 1681e ( b ) results in the dissemination of misleading and unverifiable information, which demonstrably and negatively impacts my financial standing and overall creditworthiness. This account can not be verified as fully accurate and compliant with the FCRA and therefore must be deleted immediately in accordance with my rights under the law.

Pursuant to the FCRA, I expect a thorough investigation into this dispute and a definitive resolution within thirty ( 30 ) days of your receipt of this letter. Please provide me with written confirmation of the deletion of this account from my credit file upon the conclusion of your investigation. 
Thank you for your immediate and necessary attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt 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 2025-05-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt 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 2025-05-13 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-13 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: CA

Complaint narrative:
I did not authorize this inquiry, and there is absolutely no legitimate or permissible purpose for it to have been made. I never gave consent, never applied for anything from this company, and had no interaction with them that would justify pulling my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-13 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
This inquiry was not authorized by me. I never gave permission or consent for this company to access my credit, and I did not initiate any application or request that would justify this pull. It was done without my knowledge, and thats a serious violation of my rights.

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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
ON XX/XX/XXXX I RECEIVED AN EMAIL FROM CREDIT CONTROL LLC REF # XXXX - XXXX XXXX # XXXX ABOUT A DEBT I HAD WITH XXXX XXXX  OF AN AMOUNT OWED OF {$270.00}. THIS IS NOT MY DEBT. I TRIED OUT AN XXXX XXXX WITH THEM BACK IN XXXX OF XXXX AND HAD A 30 DAY RETURN POLICY IF I WAS UNHAPPY. THE SERVICE WAS TERRIBLE SO I CONTACTED THEM WITHIN A 2 WEEK PERIOD AND ARRANGED TO RETURN THE PHONES AND CANCEL ALL SERVICES. I WAS REFUNDED MY MONEY FOR THE PHONES AND WAS TOLD I KNOW LONGER OWE ANYTHING FOR SERVICE AND WOULD NOT BE CHARGED FOR ANY TYPE OF BILL SINCE I WAS UNHAPPY AND DIDNT HAVE SERVICE LONG ENOUGH AND I CANCELED ALL SERVICE AND RETURNED THERE PHONES. I NEVER RECEIVED ANY TYPE OF BILL STATING THAT I OWED ANY AMOUNT OF MONEY. I WILL NOT BEING PAYING THIS AS I DO NOT OWE THIS. I NEVER RECIEVED ANY TYPE OF COMMUNICATION FROM BOOST MOBILE ON THIS MATTER. I EXPECT THAT THIS WILL GO KNOW FURTHER AND IT WILL NOT BE SENT TO MY CREDIT REPORT AS A COLLECTION. IF THIS PROCEEDS I WILL CONTACT MY ATTORNEY FOR FURTHER ASSISTANCE. YOU WILL HAVE 30 DAYS TO RESPOND TO THIS AND ASSURE ME THIS WILL GO NO FURTHER. AS STATED FROM THE FAIR CREDIT ACT I EXPECT T BE TREATED FAIRLY AND NOT PAY A DEBT I DON'T OWE. I KNOW THAT ALL COMPANIES RECORD COVERSATIONS. SO BOOST MOBILE WILL NEED TO MAKE THIS RIGHT AND NOT TRY AND CHARGE CUSTOMERS FOR WHAT THEY DO NOT OWE OR KNOW ANYTHING ABOUT.

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 2025-05-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Bank recently ( XX/XX/year> ) notified me that there was a new account on my credit report by JPMCB. with an account open date of XX/XX/year>. I looked and saw that several inquiries had been made over the last year by this Bank which I did not authorize. I called Chase and disputed this. No explanation was given, and no name was given when I asked if someone had used my information to apply for the card. I was told the account would be closed. I have also received a XXXXXXXX XXXX XXXX in the mail as well as a booklet explaining my benefits with having the card, etc. Later I received a statement showing that the card had already been charged the Annual Fee due to be paid by XX/XX/year>.

Company response to consumer: Closed with non-monetary relief