vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Issue : A company is reporting inaccurate information on my credit report and has failed to respond to my disputes properly. 
Company Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Problem Description : These accounts are labeled collections, and some are labeled closed. They are updating, and they were sold to different lenders. I have no relationship with these companies, i don't know if they are third-party companies I am filing this complaint because collection Companies and the credit bureaus are reporting inaccurate and unverifiable information on my credit report, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ). Specifically : They failed to report accurate data under 1681s-2 ( a ) They failed to conduct a reasonable investigation per 1681i They reinserted previously deleted information without notifying me within 5 business days as required by 1681i ( a ) ( 5 ) ( B ) They did not mark the account as disputed after receiving my prior dispute ( violation of 1681s-2 ( a ) ( 3 ) ) I have demanded deletion due to these legal violations and received no adequate response. 
I am requesting that the CFPB investigate this matter and require the company to : Delete the inaccurate account from all consumer reporting agencies Cease all further reporting or collection activity related to the account Company response requested : Deletion of the inaccurate tradeline and written acknowledgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Issue : A company is reporting inaccurate information on my credit report and has failed to respond to my disputes properly. 
Company Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Problem Description : These accounts are labeled collections, and some are labeled closed. They are updating, and they were sold to different lenders. I have no relationship with these companies, i don't know if they are third-party companies I am filing this complaint because collection Companies and the credit bureaus are reporting inaccurate and unverifiable information on my credit report, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ). Specifically : They failed to report accurate data under 1681s-2 ( a ) They failed to conduct a reasonable investigation per 1681i They reinserted previously deleted information without notifying me within 5 business days as required by 1681i ( a ) ( 5 ) ( B ) They did not mark the account as disputed after receiving my prior dispute ( violation of 1681s-2 ( a ) ( 3 ) ) I have demanded deletion due to these legal violations and received no adequate response. 
I am requesting that the CFPB investigate this matter and require the company to : Delete the inaccurate account from all consumer reporting agencies Cease all further reporting or collection activity related to the account Company response requested : Deletion of the inaccurate tradeline and written acknowledgment.

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 2025-05-20 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Made a XXXX payment to a checking account using a routing and account number instead of a phone number. Account number was 1 digit wrong so it went to someone elses bank account. I contacted both XXXX and Navy Fedral and they both stated there isnt anything they can do about getting my money back. This falls under Regulation E and I should get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-20 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: TN

Complaint narrative:
The bureaus are in violation of my rights and FCRA laws FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA.

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 2025-05-20 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: NY

Complaint narrative:
I am writing to formally dispute the listing of a paid charge off on my credit report, associated with XXXX  XXXX account number XXXX In accordance with the Fair Credit Reporting Act and consumer law 15 U.S.C. 1666b, I wish to draw your attention to the fact that the account in question has been paid in full as per the settlement reached with XXXX  XXXX. 
Despite this, the charge-off status persists on my report, which I believe to be both inaccurate and misleading. 

15 U.S.C. 1666b provides consumers the right to dispute inaccuracies and mandates credit reporting agencies to ensure the information they report is complete and up-to-date. The presence of this paid charge off does not reflect the current status of the account and is detrimental to my creditworthiness. 

Enclosed, please find copies of documents verifying the full payment, including confirmation from XXXX  XXXX and pertinent receipts or bank statements. 

I request your agency to rectify this error promptly by removing or updating the entry to accurately reflect a paid status. Kindly confirm the completion of this correction in writing within the 30-day timeframe stipulated by the Fair Credit Reporting Act.

Thank you for your immediate attention to this legal matter. I look forward to resolving this issue efficiently

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) and their collection agencies repeatedly violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and engaged in unfair and deceptive practices regarding an invalid early termination fee ( approx {$2000.00} ) and an improperly invoice final utility bill ( approx {$430.00} ). 

Original issue : XXXX failed to maintain habitable conditions in thier XXXX  rental property ( XXXX XXXX. XXXX ( XXXX ) ( a ) & XXXX ), legally exempting me from the lease termination fee. Despite this, XXXX charged a termination fee and did not offer me a way to pay the final utility bill. XXXX sent the invalid debt to collections. 

Initial resolution ( Previous CFPB Complaint ) : My initial CFPB complaint resulted in collection account closure and return to XXXX acknowledging its invalidity. CFPB Complaint ID XXXX. 

Recent violations ( New Collection Agency ) : XXXX re-assigned this invalid debt to another agency ; ANDREU , PALMA , LAVIN & SOLIS , PLLC. Upon my immediate dispute ( certified mail & offered email ), the new agency : 1. Dismissed XXXX separate written requests for original creditor ( XXXX ) contact information, FDCPA 1692g ( b ) violation.

2. Repeatedly ( 3 times ) requested confirmation of my Social Security number via unsecured email, despite my explicit refusals, violating FDCPA 1692f ( unfair practices ), and placing my sensitive personal information at risk.

Immediate Relief Requested : o Immediate cessation of all collection efforts related to this invalid debt. 
o Removal and cancellation of this invalid debt from XXXX records and all collection agencies.

o Prevention of negative credit reporting stemming from this unlawful collection attempt. 

I seek prompt regulatory intervention to stop these repeated violations, harassment, and improper handling of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reported a fraud alert on my credit from a car dealership. The car dealership sent back a letter saying for the removal of the inquiries. The car dealership XXXX XXXX ran my credit with several creditors and now I have several inquiries on my credit report. The letter states to remove the inquiries. And that the inquiry was unauthorized. Therefore every creditor that ran my credit report was also unauthorized. Please remove these inquiries from my credit file. That are attached below. I have also attached the letter from Transunion sent to XXXX XXXX and the letters that the finance companies sent to me. When XXXX XXXX XXXX pulled my credit report all these companies requested my credit file against my authorization and it clearly states that in the letter XXXX XXXX sent to me in the mail. I would like for these companies to remove the inquiries I didnt authorize from my credit file 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 explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account number : XXXX * * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account number : XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I purchased cryptocurrency ( XXXX  ) with my XXXX debit card worth {$1000.00} and they restricted my ROBINHOOD account for XXXX  months while they requested for documents which i provided. Only for them to close my account and sent an email that they will refund my money. Its been past the date for check to be refunded and i haven't received anything since then.I also have tried to reach out to them to resolve the issue, and they responded with they no longer support closed account .The date it was resctricted was XXXX account was closed XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Please see the following attachment. These documents have been forwarded to the company XXXX via email in terms of questionable concerns regarding the following loan that was executed per their information ( XX/XX/XXXX ) {$5800.00} being paid to XXXX XXXX. 
The Finance charge is {$7200.00}, the amount financed is {$5800.00}, the total amount of {$13000.00}, rate of XXXX % Per the letter dated XX/XX/XXXX, from XXXX in response to the complaint sent to CPFB, it states that XXXX investigated XXXX XXXX XXXX, XXXX has not received guardianship documents or a power of attorney for XXXX XXXX Account. 

XXXX. The original request for the Power of Attorney to the account was sent via email on XX/XX/XXXX XXXX XXXX. How was XXXX XXXX 's address listed on her current statements as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX does not reside at this address, so how was it obtained? 
XXXX. Also, the borrower is listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX....... Please confirm who this person is about, XXXX XXXX. Is this a broker or, sales representative? 
4. We are also being told that the loan can not be modified, but XXXX XXXXXXXX XXXX contact XXXX to determine if settlement options are available. 

5. I have reattached the POA and current Legal Guardianship papers. But will also be placing a phone call to discuss further.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against Capital One and its continued reporting of inaccurate, misleading, and potentially unlawful information on my XXXX  credit report. Despite a prior dispute, the account remains incorrectly reported and is damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am disputing a collection account reported by Equifax from XXXX XXXXXXXX XXXX through XXXX XXXX with a balance of {$580.00}. 
I formally submitted a dispute under my rights in the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) requesting full verification, including the original signed agreement and debt ownership.

No such documentation was provided. 
Under FCRA 611, if a disputed account can not be verified within 30 days, it must be permanently deleted. 
I am requesting the CFPB to enforce my rights and ensure the account is removed due to non-compliance with FCRA 609 and 611.

Company response to consumer: Closed with non-monetary relief