vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, my phone was stolen inside a XXXXXXXX XXXX. Unfortunately, I did not have a passcode on my phone, and my banking information, including passcodes, was stored in the notes app. Upon accessing my Revolut account, I discovered that {$5000.00} had been fraudulently transferred in two installments of {$2500.00} to a XXXX account that I have no association with. I immediately reported the incident to Revolut, but my claim was denied on the same day, leading me to believe that my case was not investigated thoroughly. I was provided with two different reasons for the denial. The first stated that my case did not meet the criteria for a claim under the rules of the applicable card brand ( XXXX or XXXX ), and I was advised to contact the merchant directly for a resolution. The second explanation referenced adjustments to the card security settings through the app, which was cited as the basis for the decision. It is clear that I was given conflicting reasons for the denial, and no proper investigation was conducted before my claim was closed. Additionally, I attempted to contact XXXX, but since the funds were sent to an account I do not recognize, they stated there was nothing they could do. This bank is FDIC insured, yet they are refusing to take any action on my behalf. I am extremely dissatisfied with this outcome and am now out {$5000.00} due to the fact they are saying that this can not be disputed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-03-14 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:
Account was paid and closed with 100 % on time payments when account closure happened. Company did accidentally report payments at 97 %. Inaccuracy does exist during reporting of this paid and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 XXXXXX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of XXXX : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-03-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-14 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: FL

Complaint narrative:
In XXXX of XXXX, I spoke to Capital One on multiple occasions to explain to them that my self employment income had completely seized. 

They agreed to honor a deferment and placed me on a payment of {$7.00} each month at some point that year. 

Each payment that I made, Capital One charged me an interest rate that was higher than my payment and reported to all three credit bureaus that I had not made the payment and that I was months behind even though I wasnt. 

In XX/XX/XXXX, I had a car accident that left me unable to work for several months, I spoke to Capital One and they always claim to fix the problem and my credit report never reflects those changes. I accrued hundreds of dollars in interest while my card was inactive & restricted for more than a year. 

I left to XXXX XXXX for XXXX  months to heal from my injuries while getting little monetary help from friends & family & still managed to make the payments that they always reported late or missing. 

Last month I paid off my Credit Card and even though my report finally now claims it has 97 % on time payments, my credit score decreased by XXXX points. 

I believe Capital One is behind this activity and they are also responsible for many times my identity has been compromised previously. Every time, I call them they have to transfer me to a special department even for simple inquiries. 

It makes it seem like there is a third party company or interest at play.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We submitted XXXX formal requests regarding the validation of the alleged debt referenced above. Despite multiple attempts, the documentation they have provided ( XXXX months credit card statements ) does not satisfy the requirements outlined under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Your continued insistence that the provided bank statements constitute sufficient validation is incorrect and fails to meet the legal standard for debt verification.

Under the FDCPA, 15 U.S.C. 1692g ( b ) requires debt collectors to provide specific, verifiable evidence to validate a debt when a dispute is raised. This includes but is not limited to : 1. Proof of Ownership Documentation that clearly establishes the legal chain of title from the original creditor to your agency or client. This must include contracts, assignments, or agreements that confirm your right to collect this specific debt.

2. Proof of Identity Verifiable evidence linking the debt to me, such as documentation with accurate, matching personal information, including a copy of my original signature or legally accepted identification tied to this specific account. 
XXXX. Account XXXX XXXX detailed account history from the original creditor, including charges, payments, fees, and any adjustments, to ensure the alleged balance is accurate and legitimate. 
The bank statements you provided fail to meet these requirements. They do not prove that I entered into any agreement with the original creditor, nor do they demonstrate your legal authority to collect on this alleged debt. Per 15 U.S.C. 1692g ( b ), failure to provide adequate validation means you must cease all collection activity, including reporting this debt to credit bureaus.

Formal Demands : 1. Provide the required documentation as outlined above within 30 days of receipt of the 1st validation request letter.

2. Cease all collection activities, including credit bureau reporting, until such validation is properly completed. 
XXXX. Remove any existing negative entries related to this alleged debt from my credit report if validation can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I opened a loan with NetCredit and was told the first payment would be XX/XX/XXXX. However when it comes around to actually paying the first payment was actually XX/XX/XXXX. They lied multiple times about this and refused to fix this. I was able to move the payment online as they stated to XX/XX/XXXX but it did not adjust the other payments simply moved this first payment to another day. Today XX/XX/XXXX I make the XX/XX/XXXX payment and they applied it to the XX/XX/XXXX payment. I asked NetCredit to fix this and the refused stating it will be credited to the XX/XX/XXXX payment and nothing else will be done to correct this as this is simply how they work. Stop payment will be issued to prevent NetCredit from making any additional payments on my behalf until they resolve their own lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is claiming and unvalidated debt and they are not an original creditor as they are reporting because I have never had an account with them. This account is also reporting open and the date of the debt keeps getting changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-03-14 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally file a complaint against Experian regarding XXXX unauthorized hard inquiries that appear on my credit report. On XX/XX/year> I sent a certified letter to Experian requesting the removal of XXXX hard inquiries associated with XXXX XXXX XXXX and XXXX XXXX XXXX. These inquiries were not authorized by me, and I do not recognize them.

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 2025-03-14 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-14 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: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. JEFFERSON CAPITAL SYSTEMS XXXX # XXXX Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( c ) ( 2 ) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC 1681i ( 2a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you can not comply, the accounts must be permanently deleted. Request for Immediate Resolution If you can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX. Progressive XXXX account # XXXX ( collection/charge-off ). XXXX. XXXX XXXXXXXX XXXX XXXXXXXX -Account # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( c ) ( 2 ) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC 1681i ( a ) ( 1 ) XXXX XXXX XXXX Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC 1681i ( 2a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you can not comply, the accounts must be permanently deleted. Request for Immediate Resolution If you can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation