vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Special Financing Company, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the collection practices of a company I believe to be acting unfairly and potentially illegally. The company in question is Special Finance Company, with a debt now being collected through XXXX XXXX XXXX at XXXX 

In XX/XX/XXXX, I applied for and received media services through Special Finance Company in the amount of {$15000.00}. I made consistent, good-faith payments under the agreed terms until I was no longer financially able to meet their biweekly demand of {$800.00}. At that point, I requested a lower and more manageable payment plan. However, the company refused to offer any alternative payment options despite my willingness to continue paying. 

In XX/XX/XXXX, I received a statement from Special Finance Company account # XXXX showing that my remaining balance was {$6400.00}. However, I was recently notified that my account had been transferred to XXXX, and they are now attempting to collect an inflated balance of {$12000.00} account # XXXXnearly double the amount previously documented. 

This appears to be a deceptive and potentially illegal collection practice. It is unreasonable and unjust to attempt to collect more than the balance that I have already worked hard to reduce. I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws may have been violated. 

I am requesting that the CFPB investigate this matter and ensure that Special Finance Company and XXXX XXXX XXXX are held accountable for any unlawful or unethical practices. I have documentation to support my claim, including the XX/XX/XXXX statement showing the {$6400.00} balance. 

Thank you for your time and attention to this serious matter. Please let me know if you require any further documentation or details.

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

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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've been dealing with an ongoing issue on my credit report thats causing serious concern. Theres an account listed that I dont recognize and was never involved with it appeared after my personal information was used without my consent. Im a victim of identity theft and have already filed a report with the FTC, which was submitted as instructed by Equifax. Despite that, the fraudulent item is still showing up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
According to the 15 USC 1681, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. If a consumer disputes the completeness or accuracy of any item of information in their file, the agency must reinvestigate free of charge. The purpose of this subchapter is to require consumer reporting agencies to adopt reasonable procedures for fair and equitable handling of consumer information.

The company sent me a contract that is not mine, the address listed on the document is not the same address that I would have been familiar with, asked if the information could be removed from credit report due to being inaccurate. Has been 30 days and not change to my credit report. At this point I have no choice to file a third and last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> Capital One restricted my credit card account. 

On XX/XX/year>, I called Capital One and spoke to XXXX ( employee reference number XXXX ). I told them that my credit card account was restricted. I asked for the reason behind it, and Capital One did not provide any explanations. Instead, they requested bank statements from me to verify my income and refused to lift the hold until I did so. When I asked Capital One to provide their request in writing, Capital One refused and replied that they, " can only do so orally and are unable to provide a written request. '' I asked them to apply my rewards points towards my balance owed, and they refused to do so. 

They are denying me access to my rewards points which I asked to be applied towards my balance owed. 

Additionally, this includes {$300.00} worth of promotional bonus for signing up for the card, which is reported on the Form 1099 INT as interest income. This is my money I paid tax on, and they are denying me my rightful access to it. 

I want my rewards points to be applied towards my balance owed as a resolution.

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

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capitol purchased my debt from XXXX which was the original debt holder. However XXXX went bankrupt and closed all locations and sold debts off. Jefferson Capitol which purchased the debt is trying to re age our account saying we opened up with them of XXXX of XXXX when in fact we had opened up with the XXXX account back in XXXX of XXXX. Jefferson Capitol re aged the original debt.

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

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My previous complaint ID is XXXX. 

I would like to file a new complaint because I believe Bank of America did not reconsider or intend to reopen my case in XXXX. 

Recently, they sent me a letter stating that their research had concluded and that the reason for their decision was that the transaction was authorized. However, as I mentioned in my earlier complaint, the bank processed a bad check on their end, making the funds available in my account, which I then used. The way they concluded the case makes it seem like everything was my fault, even though I was the victim in this situation. 

I have already filed a police report, and the report number is XXXX. 

I would like to see Bank of America reconsider and reinvestigate this case properly.

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 2025-05-05 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXXXXXX XXXX XXXX XXXXXX/XX/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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX account ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX is reported as having a {$0.00} balance and past due amount, with the account also noted as closed or paid with no monthly payment due. Despite this, a late payment mark is still being reported. This is misleading, inconsistent, and contradicts the factual state of the account. As outlined in 15 U.S. Code 1666b, creditors are required to allow a reasonable grace period and to ensure that late fees or delinquencies are not applied improperly.

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

Complaint narrative:
In XX/XX/year>, I received a letter from Portfolio Recovery Associates ( PRA ) about an alleged XXXX XXXX XXXX  debt. On XX/XX/year>, I formally disputed the debt and requested full validation by certified mail, asking for proof of ownership, the original signed agreement, chain of title, itemized accounting, purchase agreements, and documentation showing PRAs legal right to collect. 

In XX/XX/year>, PRA sent a follow-up letter that failed to provide the requested validation. The letter only included basic creditor and balance information but no original agreement, chain of ownership, or accounting details. Additionally, the letter contained misleading language, stating it was not an attempt to collect a debt, even though it provided balance and creditor details, which is confusing and potentially deceptive. 

PRA has not acknowledged or answered the specific legal violations I raised and has not confirmed whether this debt was reported to credit bureaus. Their failure to validate the debt, failure to provide required notices, misleading communication, and refusal to address their violations have led me to file this complaint.

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is in response to your claim that the following DEPTEDXXXX  accounts under my name are accurate : Account Number : XXXX Account Number : XXXX Account Number : XXXX Prove it. Provide the full method of verification usednot an automated response or e-OSCARand send me copies of all documents with my signature that legally bind me to this debt. I also demand the names and contact details of everyone you spoke with during your reinvestigation. You have XXXX  days. 

This is your final opportunity to resolve this before I file formal complaints with the CFPB and Attorney General. If I dont receive a proper response within XXXX  days, I will pursue legal action for {$1000.00} per violation under the Fair Credit Reporting Act, including claims for defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing to dispute an item on my credit report that, in my view, does not meet the standards set by the Fair Credit Reporting Act specifically, the requirement for maximum possible accuracy.

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 2025-05-05 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: MS

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 2025-05-05 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: FL

Complaint narrative:
This is a formal and final demand for the immediate and permanent removal of the XXXX XXXX XXXX XXXX ( PenFed ) account that was previously deleted from my credit file and illegally reinserted without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I am also filing a formal FTC Identity Theft Complaint for unauthorized reinsertion and misuse of my consumer file.

FCRA VIOLATIONS INCLUDE : 1. Unlawful Reinsertion Without Notice Under federal law, any deleted account may only be reinserted if the furnisher certifies the informations accuracy and the consumer is notified in writing within XXXX ( XXXX ) business days. I received no such notification. 
XXXX. XXXX XXXX XXXX and Bureaus This account was previously found to be unverifiable and deleted. Any subsequent certification and reinsertion is a sham, and I have strong reason to believe XXXX is compensating Experian and Equifax to manipulate data, which is unlawful collusion and an abuse of the FCRA system. 
XXXX. XXXX of My Consumer Report and Identity Theft This unauthorized reinsertion is being formally reported to the Federal Trade Commission ( FTC ) as a case of identity theft, misrepresentation, and XXXX XXXX XXXX. 



CEASE AND DESIST ORDER TO XXXX XXXX XXXX XXXX : You are hereby ordered to : Cease and desist all unlawful reporting of the previously deleted PenFed account. 
Cease and desist all collection efforts, including harassing or illegal phone calls to XXXX XXXX or any third parties. 
Immediately halt any attempts to reinsert or validate this account through Experian, Equifax, or any other consumer reporting agency. 

You are now on notice of your legal liability. 



DEMANDS : Immediate permanent deletion of the XXXX account from all credit reporting agencies. 
Written confirmation of the deletion within XXXX ( XXXX ) business days. 
Full documentation of all reinsertion records, including the furnishers certification. 
A guarantee of non-reappearance of this account under any variation. 

Failure to comply will result in : A federal lawsuit for FCRA, FDCPA, and FTC Act violations. 
A claim for statutory and punitive damages, including {$1000.00} per violation. 
Regulatory complaints filed with the CFPB, FTC, Florida Attorney General, and the Better Business Bureau ( BBB ). 
Public exposure of these deceptive practices.

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 2025-05-05 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: NC

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

I looked at my XXXX, Equifax 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief