vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: MO

Complaint narrative:
b'I sent identity theft  report  and even complaint with u ID and letter'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I was initially charged {$30.00} due to a return check fee from my Citi Custom Cash credit card. Essentially all I needed to do was move the adequate available funds to my bank checking account that I use to pay off this specific credit card. I did this immediately after noticing the autopayment date had passed in the Citi app and the payment went through, but the return check fee didn't go away. I tried calling Citi after the statement ended on XX/XX/year> which included the {$30.00} charge in the total. Two representatives told me that they would waive this fee as a courtesy given my perfect, on-time payment history and that I would be credited {$30.00} within 3-5 business days. I first called and heard this information on XX/XX/year>. After a few days, nothing was credited in my account so I called again on XX/XX/year> to follow up. Another representative again assured me that they would be able to waive it from my account and to keep my eye on the lookout for a {$30.00} credit. Fast forward to today, XX/XX/year>, and I still haven't received a {$30.00} credit for this fee. Thus, I called once more. This time, the representative conversely told me that my request was denied and that there was nothing they could do to waive the fee. They recommended that I just pay the {$30.00} fee, which I find quite unacceptable. I tried to explain my situation to them but they told me there was nothing that could be done. I find this practice extremely unfair due to the conflicting information of the representatives and stress this has caused me.

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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
account number : XXXX company name : XXXX XXXX XXXX company address : XXXX XXXX, MN XXXX company phone number:XXXX I am filling this compliant due to an inaccurate item on my credit report that continues to negatively impacts my credit. Despite my efforts to get this issue resolved with the reporting agency, it remains unresolved. I'm requesting immediate investigation and removal of this item as it doesn't reflect my true credit history. 

According to the FCRA 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 ).

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 2025-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Failure to Meet Metro 2 Compliance & e-Oscar Deletion Requests Collection Accounts ( Inaccurate Status, Unverified Debt DELETE IMMEDIATELY ) LVNV Funding LLC ( Acct # : XXXX ) Metro 2 Violation : Account Status Code 93 ( Collection ) misreported. 
e-Oscar Code for Deletion : XB - Account information disputed by consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized Reporting of Business Account to Personal Credit Violation of FCRA I am writing to formally dispute the reporting of account information related to a business credit account issued through XXXX XXXX XXXX XXXX to my personal credit report. This account was established under a business entity and was never personally guaranteed by me, nor was it a joint account. Reporting this debt on my personal credit is a violation of federal law and must be rectified immediately. 

According to XXXX XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are prohibited from providing inaccurate information to consumer reporting agencies. Reporting a business account as a personal obligation is false and misleading, especially when there was no personal guarantee, and I did not authorize or co-sign in any personal capacity. 

Furthermore, your attempt to collect or damage my personal credit for a debt that legally belongs to a business entity constitutes a deceptive and unfair practice in violation of the Fair Debt Collection Practices Act ( FDCPA ) and may also fall under consumer protection laws in my state. 

Please consider this letter a formal dispute and demand for immediate removal of this item from my personal credit reports with all major credit bureaus ( XXXX Experian, and XXXX ). I am requesting the following actions be taken within the timeframe required by law : Immediately cease and desist all personal credit reporting regarding this business account. 
Provide written confirmation of the removal from all consumer credit bureaus. 
Acknowledge in writing that this was a business-only account and should not have been reported under my personal credit file. 

I have already sought legal counsel to pursue damages for willful and negligent violations of the FCRA.

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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt collectors are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I did not sign a contract with this company. They did not validate the debt. I ask them to remove negative remarks from my report. 
Subject : Unvalidated Mortgage Account Reported by XXXX in XXXX XXXX XXXX Law Account : XXXX  XXXX ( Joint with XXXX XXXX XXXX ) Statement : I am filing this formal complaint under the authority of federal consumer protection laws. The entity XXXX is unlawfully reporting an alleged mortgage account on my credit reports with no legal validation, no signed contract, and no evidence of authority to report.

Despite disputing this account, no proof of debt has been provided. This violates multiple federal statutes and has caused me serious harm, including credit denials, account closures, and emotional distress.

This reporting violates : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681s-2 ( a ) Furnishers must not report inaccurate information.

1681s-2 ( b ) Upon receiving a dispute, furnishers must investigate, validate, and correct inaccurate data.

1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy.

1681i ( a ) ( 5 ) Inaccurate or unverifiable items must be deleted within 30 days.

1681n & 1681o Entitles me to civil damages for willful or negligent noncompliance.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692g ( b ) A consumer has the right to request debt validation ; collection must cease until provided.

1692e ( 8 ) Prohibits the reporting of debt that is known or should be known to be disputed or inaccurate.

3. Federal Trade Commission Act 15 U.S.C. 45 ( a ) Prohibits unfair and deceptive acts or practices in commerce.

4. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Bars unfair, deceptive, or abusive acts or practices ( UDAAPs ).

5. Uniform Commercial Code ( UCC ) UCC 3-501 & 3-505 Presentment requires evidence of authority and obligation, which has not been met.

UCC 1-308 I reserve all rights without prejudice and reject any unverified contract or liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit Bureaus and the other agencies they got their information to correct out dated information and remove it, for them to then report all of the outdated information of which they had a few and then all of them reappeared. Even items that where knocked off as well as a total and permanant Discharge removed in XXXX after the also had removed a hospital charge of which I reported as false because I was receiving financial aid and wasn't being charged for a hospital stay for this XXXX XXXXXXXX, job lost in XXXX due to covid the being admitted into the hospital and XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, My sons XXXX XXXX XXXX  and being evicted from my home and those people using my electricity, being XXXX and receiving within 3 months of the hospital applying for me. I can't send any copies.

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 2025-04-25 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: LA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 have previously disputed XXXX XXXX XXXX XXXX XXXX XXXXXXXX WITH YOU. AND IN RESPONSE YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT AND THEIRE RESPONSE IS ENCLOSED, IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THERE FORE THE INTIAL REPONSE WAS RESPONSED VERIFYING THE ITEM WAS AN ERROR OR A LIE, EIHTER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FRCA 611 ( 15 USC 1681i ) AND THE INFORMATION MUST BE DELETED WITHIN 4 BUSINESS DAYS

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 2025-04-25 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: TX

Complaint narrative:
As I was reviewing my credit report I came across unauthorized accounts. 

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
Consumer complaint received 2025-04-25 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
First premier credit card is reporting a account on my credit report as current with delinquent payment history that account has been paid and closed, under the XXXX Credit Inaccurate information is against the law and could affect your company in court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am trying to buy a home with a VA Assumable mortgage thru Navy Federal Credit Union. I have been working on it since the beginning of XXXX. They will not answer any questions, provide clarification on documentation they need, or otherwise help me. I am a veteran who has been overseas 3 times & at this point it feels like I am being discriminated against. They will go weeks without responding to me, or ignore me all together. I have purchased numerous properties in the past & have ever experienced anything like it. Its negatively affecting my family, the family who is selling the home, along with the family I have waiting to rent my current home. The seller is going to cancel our contract if I dont get assistance. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
On XX/XX/2023, my vehicle was repossessed by Credit Acceptance Corp, despite the fact that : I was not in default or had made arrangements with the lender. I never received proper notice or a right-to-cure letter. I was not provided the opportunity to retrieve personal belongings. The vehicle was taken from private property without proper legal process. This repossession has caused severe hardship and may have also negatively affected my credit report, which I am also disputing with the credit bureaus. I am requesting a thorough investigation into the practices of Credit Acceptance Corp in connection with this incident. Account 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 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I want to report XXXX XXXX, XXXX XXXX, XXXX Police Department, XXXX XXXX XXXX, State of Texas, XXXXXXXX XXXX ( Bank of America ) , Home Owner Association and other people involved to robbe my house XXXX XXXX XXXX XXXX, Tx. XXXX. All my personal belongings were trashed to the street.

I have a title of my house ( deed ) in my name XXXX XXXX and paying to the Bank according to XXXX XXXX office arrangements with bank. 

I will appreciate to investigate robbery on XX/XX/XXXX of my house and all my personal belonging located at XXXX XXXX XXXX XXXX, Tx. XXXX. 

My daughters and me are facing payments to rent appartments instead of paying my house and their college.Government also, trashed College Oportunity from my daughters, since Government robbed my property.

In this robbery were involved : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  ( Bank of America XXXX, XXXX XXXX Police Department robbery, Constables, XXXX XXXX employees, HOA, Etc. Group of people who usually robbed properties like mine. 

Hope you can help me and return my house, my personal belongings and expenses that I made in rents for me and my daughters. I hope also if you help my daughters to have their oportunity to go to college. 

This property has a deed on my name XXXX XXXX and I paid property and property taxes until XX/XX/XXXX. 

My payments for this house were made on time until XX/XX/XXXX to the Banks according to XXXX XXXX XXXX office arrangements. 

XXXX XXXX XXXX office does not want to help because his office at XXXX Tx was involved and was their fault to lose my house. 

Hope you make justice and send to jail all of these robbers including XXXX XXXX XXXX XXXX XXXX Police Department robbery, XXXX XXXX, Constables, XXXX XXXX employees, HOA, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx. XXXX Phone 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
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CT

Complaint narrative:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-25 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief