vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally notify you that my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) have been violated by your failure to provide accurate information and report my credit score as required by federal law.

Despite my repeated efforts to obtain my full credit report, including my credit score, Experian has failed to provide this information accurately and completely. This omission directly violates 15 U.S.C. 1681g ( a ) ( 1 ), which entitles consumers to receive all information in their credit file upon request, and 15 U.S.C. 1681g ( f ), which mandates disclosure of a consumers credit score when it is maintained and used in credit decision-making.

Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Your failure to provide my credit score and accurate credit file information is a clear breach of this obligation.

By willfully or negligently failing to comply with these provisions, Experian is subject to liability under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). As a result of these violations, I am entitled to receive my full and accurate credit reportincluding my credit scoreand seek compensation for the harm and inconvenience caused by this unlawful conduct.

I respectfully demand immediate compliance, including the full and accurate disclosure of my credit file and credit score, as well as compensation for the violation of my consumer rights. Please respond in writing to confirm the resolution of this matter in accordance with your obligations under federal law.

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc.
State: AK

Complaint narrative:
About two weeks ago, I received a notification from a credit monitoring company that derogatory information about a collection activity was added to my credit report. Having an account with the credit reporting bureau, I was able to see the amount ( {$160.00} ) and the name of the collection agency. I did not recognize the debt and filed a dispute, then contacted the collection agency. I asked the collection agent about the debt and was told it was a balance left from enrollment fees for a university. I recognized the university as the one I enrolled in back in XXXX, which I only attended a couple of days and stopped going. Shortly after this, I went into the military for 22 years. Even though I never received notification or had any idea this debt was out there, it seemed possible that this debt was legitimate, so I paid the full amount with a credit card over the phone with the collection agent and was emailed a receipt. I did this without proof of the debt being the remaining balance from my enrollment fee from back in XXXX. The earliest date on the credit report is for the placed in collections date of XX/XX/XXXX. I have not had any dealings or anything to do with the university since XXXX, The first credit reporting bureau that I filed a dispute with quickly removed the collection from my report and returned the points back to my credit score. I found that a second credit reporting bureau was reporting the same derogatory information, so I called to speak with a representative to file a dispute. I explained what the collection agency said the debt was for and if correct, was a debt incurred 35 years ago and that I had no knowledge of until showing up on my credit report two weeks ago. I also explained that it was likely that the collection agency changed the original delinquency date and if not, then this was fraud. Yesterday, I received the results from the investigation with a determination of verified as accurate. How does a 35-year-old debt that I never knew about go on my current credit report for the next 7 years? This does not seem right, and I dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: IL

Complaint narrative:
I have been repeatedly clear with Equifax regarding the following, and they have repeatedly mishandled and mismanaged this basic request : Please REINSERT XXXX XXXX XXXXXXXX account ending in XXXX on my credit report. XXXX XXXX XXXXXXXX has gotten in touch with your team multiple times with a reinsertion request and your team has rejected it without any explanation. I just asked you to clearly ADD it and your team deleted it. This is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
I filed a dispute on Conserve due to inaccuracy on my credit report. XXXX denied to follow up with the investigation! I recently was notified that CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with any situation! XXXX has not attempted to remove, nor Correct any information. I am requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Arcon Credit Solutions LLC
State: FL

Complaint narrative:
Im disputing charges of a XXXX XXXX account. In doing so I requested. Proof of my signature agreeing to this account. I also asked for the chain of title to collect in this debt. 
Required under the Fair Debt Collection Practices Act 15USC1692G.

This information has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally address an ongoing issue regarding the inaccessibility and inaccuracy of my credit report. Despite multiple inquiries and assurances from your representatives that the issue had been resolved, I am still unable to view my credit score or access complete and accurate information in my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), consumers have the right to obtain all information in their credit file, including their current credit score, upon request. Additionally, 15 U.S.C. 1681g ( f ) mandates that a consumer reporting agency must disclose a credit score if it is part of the file and used or expected to be used in making a credit decision.

Equifaxs continued failure to provide this information, despite being notified and given an opportunity to correct the issue, constitutes a violation of my federally protected consumer rights. This lack of transparency and failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) is both harmful and unlawful.

By knowingly and willfully violating these provisions of the FCRA, Equifax may also be liable for damages under 15 U.S.C. 1681n, and for negligent noncompliance under 15 U.S.C. 1681o. As a result, I am entitled to access my complete credit report, including my score, and to pursue compensation as permitted by law.

I am requesting immediate correction of this issue, including full access to my credit score and an updated, accurate credit file. Please provide written confirmation of your compliance with this request within the time allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 15 U.S.C, 1681section 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 an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Loan from td autl finance is still showing on my account and late at that. I no longer have the car from td auto I got a new car which is the newest line of credit open on my account, the old car was a trade in td is still charging me and late fees at that affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 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: FL

Complaint narrative:
All of my hard inquires on my Transunion, Equifax, and Experian were not authorized. Iwas only seeking a rate quote or prequalification, not a formal application. I did not consent to a hard inquiry.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One advertised an interest rate that appeared to be fixed and low, which influenced my decision to open an account with them. However, after using the card, I noticed that the interest rate increased unexpectedly or was different from what was initially communicated. I was not clearly informed about the conditions that could cause the rate to change, such as promotional periods ending or how balances were calculated. I believe the way they presented the interest rate was misleading and not transparent, and it has led to unexpected charges and financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Thanks, XXXX. Here 's a debt dispute letter you can send to the company or collector thats billing you, along with a draft complaint for the CFPB and Florida Attorney General. 


-- - 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  - Subject : Formal Debt Dispute and Hardship Relief Request To Whom It May Concern, I am writing to formally dispute the validity of the balance being billed to me for financed furniture items originally obtained through Badcock Home XXXX XXXX XXXX These items were destroyed in a natural disaster ( Hurricane Helene ), which caused over four feet of flooding at my residence at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

These items are no longer in my possession, and Badcocknow closedhas stated they can not replace them. I have previously submitted documentation of this loss, as well as proof of layoff and finalized workers compensation from Badcock, my former employer. 

I am requesting : Full account cancellation or charge-off Cessation of billing and collection Immediate confirmation that this debt will not be reported or will be removed from my credit report This is a formal request under the Fair Debt Collection Practices Act ( FDCPA ) to : 1. Validate the debt and provide full documentation.

2. Cease any collection efforts while my dispute is under review.

Attached are : Proof of residence during the storm Layoff and workers comp settlement documents Prior communication with Badcock Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX -- - 2. Consumer Financial Protection Bureau ( CFPB ) Complaint Issue : Being billed for destroyed financed items after a hurricane. 
Company : Badcock Home XXXX XXXX XXXX  ( or successor agency ) Details : Financed furniture lost in Hurricane Helene ( FEMA DR-4828-FL ) Items were destroyed due to 4+ feet of flooding Badcock closed , cant replace the furniture Still being billed despite hardship emails and layoff Previously employed by Badcock XXXX XXXX XXXX XXXX XXXXXXXX was settled Asking for billing to be stopped and account canceled badcock

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: CA

Complaint narrative:
I obtained an advance of {$56.00}, with a due date set for XX/XX/XXXX. I requested an extension of this due date to XX/XX/XXXX due to an anticipated delay in my paycheck. However, the representative to whom I was transferred seemed to suggest extending the due date only to XX/XX/XXXX, although he did not explicitly state this. Additionally, he requested documentation from my employer, which poses a challenge as I am new to my position and prefer to avoid any communication with XXXX XXXX that might jeopardize my probationary period. 

Furthermore, I requested an email address or a phone number to communicate with a supervisor, but instead of receiving assistance, I was left in the chat without a response. Should my account be charged on the original due date, I risk overdrawing my bank account and incurring additional charges that I can not afford. I intend to settle this matter as soon as possible ; however, I will not be conducting business with the mentioned organization in the future. It is disheartening to see how individuals in need are treated by this company, especially when they seek assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had XXXX open Credit Cards with Bank of America. I was always on time making my monthly payments. At one point BOA approved on XXXX of the accounts a Credit Increase. Based on that, BOA also approved the XXXX  XXXX. I have had these cards for some time along with working for BOA for XXXX  years. On the XXXX  XXXX, they offered a incentive that if you purchase {$1500.00} in XXXX  months they would allow you to take the Rewards and place them back into your account. Each time I used the card I would check to see if there were any rewards. I would also make higher payments so that I would show them that I was happy with the account. About XXXX  XXXX  ago I am having a little trouble making all the payments but still made the minimum payment on them. So now XXXX out of the XXXX cards I was on time. I continued to use the Rewards card to continue to get more that my monthly payment. The XXXX  account I missed a payment and now I tried to use the other XXXX and found out they closed all my accounts. I am not sure why BOA would close the other XXXX when they were up to date and monthly payments were Never Missed. Please let me know what I need to do.

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