vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately. All accounts are attached to FTC report. I have attached supporting identifacation documents.

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 2025-04-16 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the XXXX major credit bureaus : Experian, Equifax, and TransUnion. 

Since XX/XX/year>, I have been unable to access or pull my credit report from any of the aforementioned credit bureaus. Each time I attempt to access my report online, I am met with a generic " error '' message, and no further explanation is provided.

Despite multiple attempts to resolve this issue, I have not received a clear answer or guidance on why I am unable to view or obtain my credit report. This ongoing issue has caused frustration and concern, as access to my credit report is essential for monitoring my financial health and protecting myself against identity theft or inaccuracies.

I am requesting the following : A detailed explanation as to why I am unable to access my credit report.

Immediate resolution of the technical or administrative issue that is preventing access.

Confirmation that there has been no fraudulent activity or freeze on my credit file causing this issue.

Access to my current credit reports from Experian, Equifax, and TransUnion without further delay.

If this matter is not resolved promptly, I will have no choice but to escalate the issue through formal complaints to the Consumer Financial Protection Bureau ( CFPB ).

Please treat this matter with urgency and provide a written response within 10 business days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the XXXX major credit bureaus : Experian, Equifax, and TransUnion. 

Since XX/XX/year>, I have been unable to access or pull my credit report from any of the aforementioned credit bureaus. Each time I attempt to access my report online, I am met with a generic " error '' message, and no further explanation is provided.

Despite multiple attempts to resolve this issue, I have not received a clear answer or guidance on why I am unable to view or obtain my credit report. This ongoing issue has caused frustration and concern, as access to my credit report is essential for monitoring my financial health and protecting myself against identity theft or inaccuracies.

I am requesting the following : A detailed explanation as to why I am unable to access my credit report.

Immediate resolution of the technical or administrative issue that is preventing access.

Confirmation that there has been no fraudulent activity or freeze on my credit file causing this issue.

Access to my current credit reports from Experian, Equifax, and TransUnion without further delay.

If this matter is not resolved promptly, I will have no choice but to escalate the issue through formal complaints to the Consumer Financial Protection Bureau ( CFPB ).

Please treat this matter with urgency and provide a written response within 10 business days. 

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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that I recently identified on my credit report. Specifically, I noticed an unfamiliar address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ) listed under my personal information, as well as an open Capital One credit card account with a {$300.00} limit that I did not authorize or open. 

Previously, I had an issue with Capital One involving unauthorized hard inquiries, which I successfully disputed. Now, I am concerned to see a new line of credit and an unknown address associated with my profile. 

I request that this matter be investigated promptly, and that the unauthorized address and credit card account be removed from my credit report. Please let me know if you require any further documentation or information from me to proceed with the investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: LA

Complaint narrative:
am writing to file a complaint against Mohela for their failure to report accurately to the credit bureaus i have submitted a multitude of info regarding my school, service verification, and income driven repayment. but none of this is reflected on their records, more recently they reported it 120 day late without sufficient communication and will not retract documentation regarding inaccurate late payments reporting on my credit report, and when asked for forbearance the sent on the XX/XX/XXXX with me having to route it though my chain, they told me I had 120 day and until then it was current ( This was a lie ) they reported it on XXXX as late resulting in my interest continuing to balloon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
XXXX XXXX who I am in a lawsuit with is causing my credit score to continue to go down from an XXXX range down to a XXXX range now. The purpose of the lawsuit is XXXX XXXX prepaid vendors on installing solar panels and house generator and never finished project. They took the money and ran. I have submitted and spoke to all 3 credit reporting agencies Transunion, Experian, Equifax in the past regarding this issue. I have also sent documents from my attorney XXXX XXXX to all 3 credit reporting agencies. I am told now because I spoke with a TransUnion representative over the weekend XX/XX/year> and advised to submit again a report through www.FTC.gov which directs me to the CFPB website to fill out a complaint against credit reporting agencies. XXXX XXXX has filed bankruptcy and keep showing on my credit reporting delinquent 120 days now pass due. Since we began this process with lawsuit, the attorney advised I will not have to pay them anymore and to contact credit reporting agencies and let them know of situation. XXXX XXXX has been put on notice from my attorney. I no longer receive monthly statements from XXXX XXXX due to the lawsuit. The attorney clearly states that the credit reporting agencies should take note of the situation and fix my credit score according to the validity of the lawsuit with XXXX XXXX. Again, I mailed in and is on file the documentation from XXXX XXXX my attorney for valid proof of the situation to all three credit reporting agencies. My attorney has already also advised that if these credit reporting agencies should fail to comply to help resolve this issue they also will be put on notice and all three credit reporting agencies in the lawsuit for continuing defamation of character, false credit reporting monitoring not accurately reporting properly after legal documentation presented itself to help fix clients issue and resolve problem.

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 2025-04-15 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: FL

Complaint narrative:
XXXX XXXX who I am in a lawsuit with is causing my credit score to continue to go down from an XXXX range down to a XXXX range now. The purpose of the lawsuit is XXXX XXXX prepaid vendors on installing solar panels and house generator and never finished project. They took the money and ran. I have submitted and spoke to all 3 credit reporting agencies Transunion, Experian, Equifax in the past regarding this issue. I have also sent documents from my attorney XXXX XXXX to all 3 credit reporting agencies. I am told now because I spoke with a TransUnion representative over the weekend XX/XX/year> and advised to submit again a report through www.FTC.gov which directs me to the CFPB website to fill out a complaint against credit reporting agencies. XXXX XXXX has filed bankruptcy and keep showing on my credit reporting delinquent 120 days now pass due. Since we began this process with lawsuit, the attorney advised I will not have to pay them anymore and to contact credit reporting agencies and let them know of situation. XXXX XXXX has been put on notice from my attorney. I no longer receive monthly statements from XXXX XXXX due to the lawsuit. The attorney clearly states that the credit reporting agencies should take note of the situation and fix my credit score according to the validity of the lawsuit with XXXX XXXX. Again, I mailed in and is on file the documentation from XXXX XXXX my attorney for valid proof of the situation to all three credit reporting agencies. My attorney has already also advised that if these credit reporting agencies should fail to comply to help resolve this issue they also will be put on notice and all three credit reporting agencies in the lawsuit for continuing defamation of character, false credit reporting monitoring not accurately reporting properly after legal documentation presented itself to help fix clients issue and resolve problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am formally disputing XXXX alleged accounts that are being reported under my name by LVNV Funding LLC. I have never had any contractual relationship, agreement, or obligation with LVNV Funding LLC or the original creditors these alleged debts are supposedly assigned from. These accounts appeared without prior notice, validation, or consent, and are causing significant harm to my creditworthiness and personal well-being. 

This reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) - ( b ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), as I have not received proper verification or validation of the debts. I have requested documentation including the original contract, proof of ownership of the debt, and itemized account historybut have received nothing to date. 

Additionally, LVNV Funding LLC and Resurgent Capital Services have been subject to numerous lawsuits and enforcement actions by state attorneys general and regulatory agencies, including : CFPB v. Resurgent Capital Services, LP & LVNV Funding, LLC, where both were accused of collecting time-barred debt and misrepresenting consumers obligations, violating FDCPA and UDAAP standards. 

State of New York v. LVNV Funding LLC, where they were sued for operating without proper licensing and for deceptive debt collection practices. 

Their ongoing failure to provide verification, coupled with their history of abusive and unlawful collection practices, raises serious concerns about the legitimacy of the accounts in question. These actions are deceptive, misleading, and have caused distress and health aggravation due to the false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was billed for items that I didn't receive. I received a statement days more than 3 months after the payment was due. I paid the amount due, even though I hadn't received the items. The company refused to credit my account and has reported me as being late. The item was sent to an address I no longer live at and is not associated with my account. The credit card company has no proof that this item was delivered to myself. This is affected my credit history tremendously. My scores have dropped more than XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-04-15 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: CL Holdings LLC
State: CA

Complaint narrative:
Twice now, XXXX Westlake financial Services has wrongly put a collections account in my credit report. I have sent them my information including my full name, my residence my credit report my Social Security number my date of birth. All which do not match the information of the person they are are trying to collect from. The only thing we have in common is a partial similar name. Despite my attempts to work, amicably and patiently, there has been no resolution on their end. This has caused an unnecessary strain in my finances as I was not able to refinance or get a loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX husband got a new card and teversed payments made to mortgage company car payments ect .. and collected the amount causing bank to go into the negative XXXX also got credit cards in my name and ran up credit for thousands

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX RE : Account Number XXXX To whom it XXXX concern, I am writing in regard to my previous letter sent on XX/XX/XXXX regarding the account that has been reported charged off and I never received a 1099c cancellation of debt form from the creditor. As of today, I have not received a response from the creditor regarding the matter. I believe this is not in compliance with Metro 2 credit reporting guidelines and is in complete violation of the Fair Credit Reporting Act.

However, I strongly believe that this charge-off is reporting inaccurately and violates Metro 2 compliance laws. Specifically, the creditor has failed to report the proper date of last activity and date of first delinquency and failed to provide me with the 1099c cancellation of debt form, which has resulted in the account staying on my report longer than it should have.

According to Metro 2 compliance guidelines, a charge-off account can only be reported as such if it is 180 days past due. This means that the account must be six months delinquent before it can be reported as charged off. However, my account was reported as charge off before it reached the 180-day delinquency period.

Furthermore, Metro 2 also requires that the date of first delinquency ( DFD ) be accurately reported on credit reporting agencies. The DFD is the date when the account first became delinquent and it must be reported accurately to ensure compliance with the Fair Credit Reporting Act. I have reason to believe that the DFD on my account has been inaccurately reported.

As this is my 2nd attempt at getting this issue resolved and delete this account within 4 business days, a notice of intent to sue for damages will be drawn up and sent to your consumer relations department. Please note that failure to comply with Metro 2 guidelines will result in a formal complaint to the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter. 

Best Regards, 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 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been getting phone calls with automated voice mail from Citi XXXX XXXX. I'm afraid it's a scam because I don't have a XXXX XXXX account. Also, they sent me a text requested {$73.00} in payments with a blue link and I'm not sure what this is for.

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