vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I began disputing unauthorized inquiries on my credit report with Experian. Despite multiple disputes, calls, and a previous CFPB complaint, Experian has outright refused to conduct an investigation, falsely claiming that they only remove inquiries in cases of fraud. This is a clear violation of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires them to conduct a reasonable investigation into all disputes-not just fraud-related ones.

Key Issues : Experian is refusing to investigate unauthorized inquiries, violating federal law. 
They falsely claim they only remove inquiries in cases of fraud, which is incorrect. 
XXXX has already removed the inquiries, proving they were unauthorized. 
Experian has provided no proof that they contacted the creditors or conducted any investigation. 
They are unlawfully shifting the burden onto me to resolve the issue with the creditors, rather than fulfilling their legal obligation to investigate. 
I have been dealing with this issue for over XXXX weeks since XX/XX/XXXX, and Experian continues to ignore its legal obligations. I am requesting immediate CFPB intervention to : 1. Force Experian to conduct a proper investigation as required by law.

2. Provide proof that they contacted the creditors and conducted an investigation.

3. Remove the unauthorized inquiries from my credit report if they can not verify them.

4. Hold Experian accountable for noncompliance with the FCRA. 
I request the CFPB take enforcement action if they continue to refuse to investigate.

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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt. Please include all of the terms and conditions that are in the purchase agreement. 

Portfolio Recovery Associates , LLC XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Subject : Request for Original Purchase Agreement Dear Portfolio Recovery Associates, I am writing to formally request a copy of the original purchase agreement for my account referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification and documentation regarding this debt, including a copy of the original contract that I signed with the original creditor. 

Account Details : Account Holder Name : XXXX XXXX Account Number : XXXX Original Creditor : Unknown Please provide a complete copy of the original purchase agreement or contract that outlines the terms and conditions of the account. Additionally, I request documentation proving that Portfolio Recovery Associates has the legal authority to collect on this debt. 

I expect a response within the legally required timeframe. If you are unable to provide this documentation, I request that this debt be removed from your records and from any credit reporting agencies to which it has been reported. 

Please mail the requested documents to my address listed above. If you require further information, feel free to contact me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Credit Bureau Name XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, XXXX XXXX  XXXX Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Accounts under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts currently being reported on my credit file with XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is 100 % accurate, verifiable, and in compliance with federal law. Failure to do so constitutes a violation of my consumer rights. 

The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to 15 U.S.C. 1681i ( a ), I demand an immediate investigation into these accounts. If these accounts can not be fully verified by original source documentation, they must be permanently removed from my credit file. As per 15 U.S.C. 1681e ( b ), you are legally obligated to maintain maximum possible accuracy. The continued reporting of inaccurate or unverifiable information is a clear violation of this statute. 

Additionally, I have suffered financial harm due to your failure to uphold FCRA compliance. I have been denied loans, credit cards, and subjected to increased interest rates, directly affecting my financial well-being. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I reserve the right to seek legal damages for willful and negligent noncompliance if these errors are not rectified immediately. 

I am providing a copy of my government-issued ID, proof of residence, and a copy of my credit report highlighting the disputed accounts. You have five ( 5 ) days from receipt of this letter to permanently remove these inaccurate accounts, or I will be left with no choice but to escalate this matter legally. 

Please send me written confirmation of the deletion of these accounts upon completion of your investigation. I expect full compliance and a swift resolution.

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 2025-04-03 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Failure to Respond to Debt Validation Request Account Ending in XXXX To Whom It May Concern, I am responding to your response to my CFPB complaint dated XX/XX/year> in which you claim that you did not receive any prior correspondence from me regarding the above-referenced account. This statement is demonstrably false. 

Attached to this letter is proof of certified mail delivery confirming that Midland Credit received my debt validation request on XX/XX/year>, at XXXXXXXX XXXX in XXXX, XXXX, XXXX. This document includes the USPS Certified Mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX and confirms that your office signed for the letter. 

Your failure to respond to this legally proper and timely request violates the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, your continued reporting of this alleged debt without proper validation may violate the Fair Credit Reporting Act ( FCRA ). 

Your documents regarding my CFPB complaint do not constitute proper validation under federal law. Summarized account information does not prove that I owe any debt or that you have the legal right to collect it. 

Accordingly, I demand the following actions : This account will be immediately deleted from all credit reporting agencies. 

Written confirmation that all collection efforts have permanently ceased. 

A full explanation for your failure to respond to my original validation request. 

If you do not comply within 15 days of receipt of this letter, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Michigan Attorney Generals Office. I am also prepared to pursue legal action for damages related to your FDCPA and FCRA violations. 

Sincerely, XXXX XXXX Enclosure : Proof of Certified Mail Delivery ( USPS )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccuracies that require urgent correction. As per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the TransUnion credit bureaus are legally obligated to verify this account. Reporting unverified information without proper evidence is a violation of federal law. I insist on an immediate investigation and correction of these discrepancies regarding the account listed in my credit file. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current

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 2025-04-02 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: TX

Complaint narrative:
I submitted a dispute with Transunion XX/XX/year> disputing the account submitted by XXXX XXXX XXXX. XXXX XXXX XXXX stated in a complaint filed with CFPB that they sent initial communication on XX/XX/year> but it was also first reported on XX/XX/year>. They did not properly investigate this inaccuracy and continued to report it. Transunion has continued to inaccurately report this account for a year. This is a violation of the Fair Credit Reporting Act. 

Additionally, Transunion has consisently left disputes unresolved for more than 30 days, they've removed all past disputes I've submitted from their site and continue to make it difficult to dispute any inaccuracies. This has also created difficulties in finding accurate dispute results, this is unacceptable.

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 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Capital One Bank regarding their handling of a dispute I submitted. I believe their actions demonstrate intentional inaction, negligence, and unfair treatment of my case, which has caused me significant frustration and financial inconvenience.Initially, I filed a dispute with Capital One Bank concerning a transaction where the merchant failed to provide a free return option and only provided a return address, contrary to their stated policy. However, Capital One closed my dispute prematurely without collecting or reviewing any evidence to support my claim. This decision was made arbitrarily and without proper investigation, leaving me without resolution.After the dispute was closed, I contacted Capital One again, this time submitting all relevant evidence to substantiate my claim, including documentation that clearly supports my position and demonstrates that the merchant did not adhere to their return policy. Despite providing this evidence, Capital One responded by passively requesting additional information, further delaying the process and failing to address the issue in good faith. Their repeated demands for more evidence, even after I provided sufficient proof, appear to be a deliberate attempt to avoid resolving the dispute in my favor.I am deeply dissatisfied with Capital Ones handling of this matter. Their initial closure of the dispute without evidence, followed by their passive and uncooperative approach after I provided all necessary documentation, reflects a lack of accountability and a failure to protect me as a customer. The evidence I submitted clearly supports my dispute, as it confirms the merchant did not offer a free return and only provided an address, yet Capital One has not acted in a timely or fair manner to resolve this issue.I request that the CFPB investigate Capital One Banks practices in this matter and hold them accountable for their negligence and unfair treatment. I seek a proper resolution to my dispute, including a refund for the transaction in question, as well as an acknowledgment of Capital Ones mishandling of my case.Thank you for your attention to this matter. I am happy to provide any additional documentation or details as needed to support this complaint.Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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: MD

Complaint narrative:
I am sending to formally address discrepancies in my credit report and request a fair resolution. I respectfully ask that you review and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$710.00} XXXX XXXX BALANCED {$760.00} XXXX  XXXX XXXX BALANCED {$580.00} XXXX  XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX BALANCED {$80.00} XXXX XXXX BALANCE {$2800.00} XXXX XXXX XXXX BALANCE {$370.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items on my credit report. If any item can not be verified with concrete evidence, I ask for its immediate removal to avoid any inaccuracies that may adversely impact my credit standing.

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 2025-04-03 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: OH

Complaint narrative:
XX/XX/year> I called all of the consumers and asked them to send me something with my name on it to show proof that I authorized them to run my credit I have yet to recieve anything

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 2025-04-03 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
I am filing a complaint and get Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i which mandates a responsible investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection at ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administration proceeding ( File number.2025 CFPB- 0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with the federal law and provide consumers with necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} Accounts : XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX  XXXX Account Number : 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Name isnt XXXX XXXX XXXX  . Its XXXX XXXX XXXX . I have uploaded multiple documents showing name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I paid off my credit cared in XX/XX/XXXX, the rep did not do his job right and apply my payment and reversed the late fee, I have paid this credit cared in full every single month since XXXX and I kept having a rolling balance when initially the amount charge the first and only time XX/XX/XXXX was XXXX well I called on XXXX to discuss the issue on my card that should reflect paid in full {$0.00} I spoke with manager XXXX a supervisor who attempted to fight me on the balance until I told him to pull the call, once he listened he came back stated that he would {$0.00} my account and with in 24-48 hours my account will reflect {$0.00} and I could request my letter, call info : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX I called to follow up just in case today on XXXX XXXX XXXX  XXXX  spoke with supervisor XXXX XXXX  XXXX told me he would make a courtesy and XXXX my account I said courtesy? I paid in full this is my right to have this corrected and the credit agencies notified of their wrong doing and they need to correct it, I advised I was upset that XXXX the sup I spoke with on XXXX did not do his job by {$0.00} my account. I was told a letter would sent to me and arrive with in 7-10 days, at this point I dont believe them and my credit report is hit with an over XXXX when payment was paid in full in XXXX I would like Comenity bank XXXX to correct this as soon as possible or provide me a letter that they will take responsibility on the XXXX + hit and its in correction, XXXX and XXXX both sups said they can not provide me that letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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:
Equifax is reporting a hard inquiry on my credit score that I did not authorize. My identity was stolen and several attempts were made to open lines of credit. XXXX XXXX  XXXX XXXX was the bank that reported this hard inquiry. I have already talked to them and they cancelled the application and I was told they would ask the credit bureaus to remove this hard inquiry. It is still showing up and I can not get ahold of anyone directly from Equifax after being on hold for 4+ hours. This is a fraudulent ding on my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
After verifying all my information I was refused details about the debt because I wouldn't provide my credit card information and an authorization for a payment for {$1.00} I then told the agent that it's illegal to do that and asked to speak with a supervisor which I was told I would have to wait to speak to. I held for about XXXX minutes until they hung up on me My phone number that I can be contacted at is XXXX my mobile phone number

Company response to consumer: Closed with explanation