vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Equifax, I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been discharged and no longer collectible. 

The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX XXXX Date of Charge-Off : Not available Amount : {$1400.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file.

Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs. 

Please conduct an investigation into this matter and provide me with written confirmation of the deletion. If you continue to report this invalid debt, I will have no choice but to pursue all legal remedies available to me. 
I expect your response within 30 days of receiving this letter, as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
On XX/XX/year>, I sent a written Request for Removal of Collection Account from my credit report to LVNV Funding regarding a {$3200.00} collection account they are reporting. On XX/XX/year>, I followed up with a formal debt validation letter, sent via certified mail, requesting proper documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). I have delivery confirmation for both letters. 

To date, LVNV Funding has failed to provide any legal validation or documentation proving the legitimacy of this debt. They have not provided a signed agreement, itemized statements, or proof of assignment of the alleged debt. 

The reporting of this account is also inconsistent across the credit bureaus. XXXX lists the original creditor as XXXX, while XXXX and XXXX are reporting LVNV Funding as the original creditor, which raises additional red flags regarding the accuracy of the information being furnished. 

Despite the lack of verification and these inconsistencies, LVNV continues to report this account across the credit bureaus, damaging my credit and violating my rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). This appears to be a case of inaccurate reporting and misrepresentation. 

I am requesting the immediate deletion of this account from all consumer reporting agencies, and for LVNV Funding to cease all collection activity unless full validation is provided in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: AZ

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to demand the removal of the inaccurate bankruptcy information reported on my credit file. This matter has been previously disputed, and TransUnion continues to assert that the information is accurate based on unverifiable data from the furnisher. However, the bankruptcy is a public record sourced from XXXX, and no communication or verification has occurred between XXXX and TransUnion. 

Under **Section 605B of the Fair Credit Reporting Act ( FCRA ) **, any information that can not be verified must be removed within four days. The inclusion of this inaccurate bankruptcy information violates **15 U.S.C. 1681e ( b ) **, which requires consumer reporting agencies to ensure maximum accuracy.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My credit profile doesn't show the only credit card I have and thus I can't have a score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Skopos Financial, LLC
State: TX

Complaint narrative:
I am a Victim of Identity Theft and fraudulent Accounts were open under my Identity and have been reported to the credit bureaus and am asking to be removed from my credit reports immediately. Under the Consumer Protection Act accounts unverified or open fraudulent should be Removed from my credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a 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 to any 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been a customer with Synchrony Bank XXXX XXXX XXXX XXXX  card for several years. Never missed a payment, kept low balance sometime no balance and all of the sudden the company ran my credit report without my permission and closed my account. They never informed me or reached out to me or asked permission to run my report. Apparently because I currently have high revolving credit account with high balances theu decided to close my account. I have never had this ahppened before even when I have fallen behind in my payments with other companies they have taken the liberty to close my credit account, I have never had a credit card company run my credit report without my permission. 
The law in the Fair credit reporting act protects the consumer https : //www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are predatory lending practices and are out of the scope of the law. This company should not be allowed to operate. I will never do business with this company ever again in fact my wife and I will be closing any synchrony accounts that we have. Also when I use their chat portal to discuss this with a representative and account manager when I wanted to print the chat all of the sudden the feature was not working after I told them I was going to file a complaint. I am attaching the picture of the message in the chat portal.

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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: VA

Complaint narrative:
The account was already closed over 7 years ago. The amount was never that much. Cease and desist 15 US 1692 C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Credit Control, LLC
State: CA

Complaint narrative:
On XX/XX/year> I disputed medical debt on my credit report due to California SB 1061 that makes reporting medical debt no longer allowed. I submitted this dispute to experian and also the debt holder Credit Control , LLC. I have also mailed a dispute letter to the debt holder also. Nothing was done to remove the account from my credit report. My request was ignored.

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 2025-04-03 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.

Complaint narrative:
am filing a formal complaint against Equifax for failing to conduct a proper investigation into disputes I submitted regarding inaccuracies in my credit report. 

Despite submitting supporting documentation and clearly identifying the inaccuracies, Equifax has repeatedly responded within 24 hours stating that the accounts in question are accurate. These rapid responses strongly suggest that no meaningful or reasonable investigation has been conducted, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The FCRA mandates that consumer reporting agencies conduct a reasonable investigation when a dispute is filed. Equifaxs failure to do so not only violates this provision but may also constitute an unfair or deceptive practice under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This pattern of behavior is consistent with the findings in a recent CFPB administrative proceeding regarding inadequate dispute resolution practices. 

I respectfully request that this matter be investigated and that appropriate enforcement action be taken to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Capital One N.A. and their law firm, XXXX XXXX XXXX, regarding a debt collection lawsuit filed against me. 
Capital One was notified in advance that I intended to file for bankruptcy, yet despite that notice, their legal team proceeded to serve me by posting court documents ( summons and complaint ) directly on my front door. These documents were clearly visible from the street, exposing my full name, address, and legal case details to the public. 
I believe this public posting of sensitive personal and legal information is a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly the provisions that protect consumers from third-party disclosure of debt information. 
Additionally, my household has been dealing with ongoing litigation related to a serious accident, which has delayed our ability to file bankruptcy immediately. This lawsuit has caused severe financial and emotional hardship. I have now obtained legal counsel to proceed with bankruptcy, and we are actively working to file. 
I respectfully request that the Bureau investigate whether the debt collectors actions were compliant with the FDCPA and other applicable laws, particularly in light of the fact that they were informed of my bankruptcy intent before proceeding with this method of service. 
Thank you for your time and attention to this matter.

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

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-04 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: AL

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 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 non-monetary relief
Consumer complaint received 2025-04-03 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account being reported by LVNV Funding LLC and serviced by Resurgent Capital Service Account # XXXX. XXXX, XXXX and XXXX is also responsible reporting and not doing a proper investigation for this as well. 

The account is being inaccurately reported on my consumer credit report in the following ways : 1. Misclassified Loan Type Factoring Company Account The account is labeled as a XXXX XXXX Account, which is materially inaccurate. I have never had a factoring agreement or commercial relationship with either LVNV Funding or the original creditor ( XXXX XXXX XXXX, XXXX. ). This classification misrepresents the true nature of the account, which was a consumer credit card. 

Such mislabeling is misleading and may violate : FCRA 15 U.S.C. 1681s-2 ( a ) duty to report accurate information, FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) and ( 10 ) prohibiting false representation of a debt, Texas Finance Code 392.304 ( a ) ( 8 ) and ( 19 ) prohibiting false credit descriptions and deceptive means.

2. False Account Status Open Account in Violation of Metro 2 Guidelines The account is being reported as Open, which is incorrect. The original credit card account was charged off and allegedly sold to LVNV, and it should be reported as a collection account with a closed status.

According to the Metro 2 Credit Reporting Resource Guide, data furnishers must report collection accounts using the appropriate Portfolio Type ( " C '' for Collection ) and Account Status code 93 ( collection account ). Reporting the account as Open is : A direct violation of Metro 2 reporting standards as adopted by the Consumer Data Industry Association ( CDIA ), A misrepresentation of the legal status of the debt, and A violation of FCRA 15 U.S.C. 1681s-2 ( b ) and Texas Finance Code 392.304 ( a ) ( 8 ).

3. 15 U.S. Code 1681c ( a ) ( 4 ) Negative information may only be reported for 7 years from the XXXX. 
If XXXX is missing, its impossible to determine the lawful reporting period, which violates the FCRA. 
15 U.S. Code 1681s-2 ( a ) ( 2 ) A debt collector must provide the XXXX  to the credit reporting agency within 90 days of furnishing the account. 

15 U.S. Code 1681s-2 ( b ) If you dispute the account and the XXXX  is missing or incorrect, they must correct it or delete the account after reinvestigation. 

4. Dispute Inaccuracies Not Properly Investigated or Corrected Although the account is marked as disputed by consumer, the data remains inaccurate. The furnisher failed to conduct a reasonable investigation or correct the misleading information, in violation of : FCRA 1681i ( a ) FCRA 1681s-2 ( b ) ( 1 ) ( D ) Texas Finance Code 392.202 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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