vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: Early Warning Services, LLC
State: FL

Complaint narrative:
For several years, I have been attempting to exercise my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information Early Warning Services ( EWS ) holds on my consumer file. I have repeatedly contacted EWS to dispute everything on my EWS consumer report. On multiple occasions, I have submitted disputes to EWS regarding this erroneous information. Each time I have disputed these items, EWS has responded by stating that the information has been " verified '' or that their reinvestigation found the information to be accurate. However, despite my repeated requests for clarification, EWS has consistently failed to provide any meaningful explanation or evidence of how this information was supposedly verified. They have not disclosed the specific steps they took, the sources they consulted ( beyond a generic statement if any ), or any documentation that substantiates their verification claims. This lack of transparency makes it impossible for me to understand the basis of their findings and effectively challenge their assertions. This pattern of behavior by EWS claiming verification without demonstrating the method or providing any proof has persisted for years. It has left me in a frustrating and untenable position, unable to correct what I believe to be inaccurate and harmful information on my EWS file. Their failure to conduct a reasonable reinvestigation that includes transparent verification is a violation of my rights under the FCRA. The continued presence of this unconfirmed information has caused me to get denied by every bank for my history with EWS. The core of my complaint is EWS 's persistent refusal to provide any details about their verification process for the disputed information on my consumer file. Their responses have been conclusory and have not offered any substantive evidence that a thorough and fair reinvestigation, as required by law, was conducted. This has been an ongoing issue for approximately 5 years, and EWS 's conduct has made it impossible to resolve the inaccuracies in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Subject : Request for Investigation into Improper Verification and Reporting of Closed or Discharged Account Dear Consumer Financial Protection Bureau, I am filing this formal complaint to request an immediate investigation into the actions of Capital One Bank ( USA ), N.A., specifically regarding their handling, verification, and reporting of a closed and possibly discharged credit account ( # XXXX ) to XXXX. 

This account was closed in XXXX, with no activity reported since XX/XX/XXXX. However, Capital One has continued to report the following : A past due balance of {$840.00} as of XX/XX/XXXX, XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, A contradictory report that the account was XXXX through Chapter XXXX Bankruptcy / Never late. 


I submitted a dispute to XXXX  regarding this account. In response, XXXX  stated that Capital One verified the information, yet no documentation was ever provided, and Capital One has refused to clarify how such verification was conducted.

This raises serious legal concerns under the following federal statutes : FCRA 1681e ( b ) : Requires data furnishers to report only with the maximum possible accuracy.

FCRA 1681b : Prohibits the furnishing of consumer data without a permissible purpose. Bankruptcy Code 524 ( a ) : Prohi
bits post-discharge attempts to collect or report discharged debts as legally owed.

If this account was in fact discharged in bankruptcy, the continued reporting of a balance and late payments constitutes a violation of the discharge injunction. Additionally, Capital One has failed to provide any lawful basis for continuing to furnish this information or to demonstrate how the account was properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is being sued for inaccurately billing their clients which they have done to me and it is still on my credit report. XXXX has these loans but XXXX is still showing up on my credit report. This is an FCRA violation, these loans need to be removed and deleted immediately. XXXX can not prove what I owe due to the inaccurate monthly payments.

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 2025-05-15 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: GA

Complaint narrative:
XXXX is being sued for inaccurately billing their clients which they have done to me and it is still on my credit report. XXXX has these loans but XXXX is still showing up on my credit report. This is an FCRA violation, these loans need to be removed and deleted immediately. XXXX can not prove what I owe due to the inaccurate monthly payments.

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 2025-05-15 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: GA

Complaint narrative:
XXXX is being sued for inaccurately billing their clients which they have done to me and it is still on my credit report. XXXX has these loans but XXXX is still showing up on my credit report. This is an FCRA violation, these loans need to be removed and deleted immediately. XXXX can not prove what I owe due to the inaccurate monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
b'XXXX XXXX XXXX XXXX MI XXXXEquifax\XXXX XXXX XXXX, GA XXXXExperian\XXXX XXXX XXXX, TX XXXXTransUnion\XXXX XXXX XXXX, PA XXXXSubject: Formal Dispute and Demand for Immediate Action Regarding Unvalidated Debt and FCRA Violations\nTo Whom It May Concern:\nI am writing to formally dispute the validity of a debt that appears on my credit report for XXXX XXXX , which has been improperly verified and subsequently sold to a third-party debt collector/ XXXX XXXX XXXX..XXXX XXXX XXXX)  This debt is inaccurate, unverifiable, and your agencies have failed to meet your obligations under the Fair Credit Reporting Act (FCRA) to conduct a reasonable investigation and to ensure the maximum possible accuracy of the information you report.\nDespite my previous communications disputing this account, I have not received proper validation, nor have I been provided any documented evidence substantiating the legitimacy of this debt. Reporting a debt without proper investigation, validation, or documentation is a direct violation of the FCRA under Sections 611 and 623.\nThe continuous reporting of this unverifiable debt has caused significant harm to my credit standing, emotional distress, and financial loss. These violations of my rights under the FCRA are unacceptable. Therefore, I am demanding the following:\n1.\tImmediate removal of the inaccurate debt information from all of my credit reports with your agency.\n2.\tA formal investigation into the reporting and handling of this debt, including the name of the original creditor and any documents used to verify this account.\n3.\tA detailed response within 30 days, as required under federal law, outlining the outcome of your investigation.\n4.\tMonetary compensation for the continued reporting of inaccurate information, failure to validate the debt, and ongoing FCRA violations.\nIf I do not receive a satisfactory resolution within 30 days of the date of this letter, I will pursue legal action against your agency for willful noncompliance with the FCRA, including filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Office of the Attorney General.\nPlease consider this letter as a formal notice under the FCRA and any applicable state consumer protection laws. All future communication regarding this matter should be in writing.\nSincerely,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 2025-05-15 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: MI

Complaint narrative:
b'XXXX XXXX XXXX XXXX MI XXXXEquifax\XXXX XXXX XXXX, GA XXXXExperian\XXXX XXXX XXXX, TX XXXXTransUnion\XXXX XXXX XXXX, PA XXXXSubject: Formal Dispute and Demand for Immediate Action Regarding Unvalidated Debt and FCRA Violations\nTo Whom It May Concern:\nI am writing to formally dispute the validity of a debt that appears on my credit report for XXXX XXXX , which has been improperly verified and subsequently sold to a third-party debt collector/ XXXX XXXX XXXX..XXXX XXXX XXXX)  This debt is inaccurate, unverifiable, and your agencies have failed to meet your obligations under the Fair Credit Reporting Act (FCRA) to conduct a reasonable investigation and to ensure the maximum possible accuracy of the information you report.\nDespite my previous communications disputing this account, I have not received proper validation, nor have I been provided any documented evidence substantiating the legitimacy of this debt. Reporting a debt without proper investigation, validation, or documentation is a direct violation of the FCRA under Sections 611 and 623.\nThe continuous reporting of this unverifiable debt has caused significant harm to my credit standing, emotional distress, and financial loss. These violations of my rights under the FCRA are unacceptable. Therefore, I am demanding the following:\n1.\tImmediate removal of the inaccurate debt information from all of my credit reports with your agency.\n2.\tA formal investigation into the reporting and handling of this debt, including the name of the original creditor and any documents used to verify this account.\n3.\tA detailed response within 30 days, as required under federal law, outlining the outcome of your investigation.\n4.\tMonetary compensation for the continued reporting of inaccurate information, failure to validate the debt, and ongoing FCRA violations.\nIf I do not receive a satisfactory resolution within 30 days of the date of this letter, I will pursue legal action against your agency for willful noncompliance with the FCRA, including filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Office of the Attorney General.\nPlease consider this letter as a formal notice under the FCRA and any applicable state consumer protection laws. All future communication regarding this matter should be in writing.\nSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I applied for a personal loan to consolidate debt from a financial institution that I do not have a checking or savings account with on XX/XX/year>. I was informed that I was approved on XX/XX/year> and the check would be mailed out usually within XXXX hours. I received the check when I returned home from work on Friday, XX/XX/year>. All banking locations were closed, so went first thing Saturday morning XX/XX/year> to the bank I have a checking account with, XXXX XXXX XXXX XXXX. I was told the funds would be held up to XXXX days. I noticed USAA had already started charging me interest. Because I dont have access to these funds yet, I have not paid off my credit card, and therefore, still being charged interest by them as well. On Wednesday, XX/XX/year>, I called XXXX to ask if there was a way to speed up the process. I was told no, and the funds would be available to me on Saturday, XX/XX/XXXX. I was also told they could be held even longer according to the FDIC policy. I then called USAA. I politely stated my concerns about the unfair interest l. The representative began to explain the loan process in a very condescending manner. I am familiar with the loan processes and daily interest accrual amounts. I have since looked over all of my loan documents that are available to me and it is not stated that I will begin accruing interest as soon as I am approved. I was under the impression I would start collecting interest charges as soon as the funds were fully available to me. This is incredibly deceptive. Also, I will add that when I log into USAAs app to see my loan, it shows my interest rate, but not the daily interest accrual amount. If were really having truth in lending one shouldnt be so deceptive.

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 2025-05-15 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NV

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX -- Account number : 446540 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I HAVE REACHED OUT IN THE PAST TO FIX THESE ACCOUNTS. I WAS TOLD THEN THAT IT WOULD BE FIXED BUT IN THE LAST MONTH I'VE NOTICED THAT NOTHING WAS HANDLED. I WOULD LIKE ALL OF THESE ACCOUNTS TO BE INVESTIGATED AND DELETED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I HAVE REACHED OUT IN THE PAST TO FIX THESE ACCOUNTS. I WAS TOLD THEN THAT IT WOULD BE FIXED BUT IN THE LAST MONTH I'VE NOTICED THAT NOTHING WAS HANDLED. I WOULD LIKE ALL OF THESE ACCOUNTS TO BE INVESTIGATED AND DELETED FROM MY CREDIT REPORT

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/year> I requested debt validation letter from XXXX XXXX  for two accounts they did not send me what I requested but sent me court papers to file a judgement with no court date.

Company response to consumer: Closed with non-monetary relief