vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX ] to [ Equifax Information Services LLC ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I noticed activity on my credit card flagged as potentially fraudulent by Navy Federal. I suspect the card information was compromised when I used it at a gas pump at a XXXX near my house. I contacted a Navy Federal representative and disputed two transactions from XXXX totaling {$340.00}. I had not gone to XXXX around the time of the transactions. I expected the transactions to be removed from my credit statement, but they were not. I typically purchase gas at XXXX, which can be verified through my credit statements. I am requesting a review of the charges and clarification as to why they were not reversed. The fraudulent transactions took place on XXXX, when I submitted the fraud report it took the transactions off my account but when NFCU deemed that nothing fraudulent occurred they put them back on my account on XXXX.

The physical credit card remained in my possession at all times ; however, as previously mentioned, I believe the card information was stolen, likely through a card skimmer at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX where XXXX had recently used the card. I had not been to any XXXX location during the time of the charges, nor do I frequently visit XXXX. My transaction history reflects regular purchases at XXXX, not XXXX. Navy Federal representatives previously reviewed my credit history and noted that the transactions appeared unusual. I did not receive any goods or services related to these charges and did not authorize or participate in them. The physical card was not taken, and no one else is permitted to use it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-14 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:
Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items. Despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experience in action, violates federal law and my rights as a consumer. 

Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$860.00}

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 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against [ Debt Collection Agency ] for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Midland Credit Management continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, [ Debt Collection Agency ] is not complying with these legal obligations. 
Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : 1. Immediate deletion of the unvalidated debt from all credit reporting agencies.

2. Statutory damages in the amount of {$5000.00} for Midland Credit Management 's failure to comply with federal law and their neglect in handling this matter.

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. 
I expect Midland Credit Management to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Dear XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 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 the FCRA you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: DriveTime
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 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 the FCRA you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Ive received numerous calls from unknown caller and they leave a voicemail that sounds both robotic and pre-recorded. The voicemail states the call is coming from United Collection Bureau Inc. I have never received anything from this company in the mail. So I am honestly not sure what they are calling for. I think its deceptive that they do not show their phone number when they call.

Heres the voicemail : This is XXXX and I have an important message from the United collection Bureau Inc. this call is from a debt collector this is an attempt to collect a debt and any information obtained will be used for that purpose please call XXXX thank you Number that appears when they leave a voicemail : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have recently attempted to create an online account for Experian, and noticed that there are a phone number and email address that I never used before. However, their automated system does not deal with situations such as this and it is nearly impossible to reach a live agent via a phone call. Given that this is a potential identity theft, Experian is extremely negligent on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
{$5800.00} XXXX XXXX Columbia debt recovery They are charging me thousands of dollars that I am not aware of. I have paid off {$1000.00} worth of it but I dont know where they got the rest of of the money from. They mentioned that they would charge me until someone new moved into the apartment. They are crooked and didnt want to explain to me why the amount was so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On Equifax report. XXXX is the company that reported. I started a credit build acct and cancelled at 30 days because XXXX promised an instant score boost. They then added acct to my report with a late payment that dropped my score 30 points. I disputed through XXXX and within 3 hours it came back verified as mine. I did not know who to contact because acct was listed as XXXX XXXX when the late payment was added to my report. After the 2nd dispute it was removed from my Equifax report and listed as XXXX  and my score dropped XXXX points as a result. In 1 day and that was the only change. How can a 30 day acct drop my score XXXX points when removed but no positive impact when it was added as promised. Only added to show a late payment that was not late. I cancelled prior to month 2. This is very damning to my report and caused me to cancel appt a car dealer. Not sure if Equifax or XXXX is the reason but this seems illegal. I cant dispute because it is no longer listed on Equifax report. Please help me. My credit was already bad and I have taken steps to improve and was on track to doing so. I am deeply hurt mentally. XXXX point drop and I only dealt with them for a month. I NEED HELP to get their info removed and my score back to where it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XX/XX/year> - Purchased Home and received TX XXXX Veteran Tax Exemption ( 100 % ) ( Lifetime Exemption ) - presented documentation to Freedom Mortgage Company ( FMC ) XX/XX/year> - Exemption applied and Escrow adjusted. 

XX/XX/year> - XXXXMC pays over {$14000.00} in taxes to TX- I contact XXXX XXXX Tax Dept, and they provide information for forms that FMC will need to fill out/notarize and send back to get their funds back. 

XX/XX/year> - Present - FMC is demanding Escrow shortage repayment increasing monthly mortgage by nearly 50 % from {$2400.00} to over {$3400.00}.

- Ive sent multiple messages, dozens of phone calls, and recorded that FMC will not accept less than the full payment amount ( ie. current principal+interest+escrow - escrow repayment ) I do not believe it is my responsibility to fix FMCs error ( even though I did ). It certainly is not my responsibility to pay them for monies they paid due to their own negligence and then be threatened with foreclosure.

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 2025-04-14 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: HI

Complaint narrative:
These companies accessed my credit report without my authorization, directly harming both my credit and my score. I previously contacted Transunion and was assured by a representative that these inquiries would be removed, yet they remain. The continued presence of these fraudulent and unauthorized inquiries raises serious concerns about identity theft and is causing undue emotional and financial stress. This issue must be addressed immediately. I demand a full investigation and the permanent removal of these inquiries without further delay.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to update/ correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX, TX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX MY only employer is : XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 


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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I didnt give permission for 3 party to take over the agreement! Please have them delete it off my credit report!

Company response to consumer: Closed with explanation