vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by Regional Acceptance Corporation. This account was officially charged off in XX/XX/XXXX. However, Regional Acceptance continues to report the full {$35000.00} balance as past due every month through XX/XX/XXXX, which is factually incorrect and misrepresents the account status. 

Additionally, the company is reporting the account as charge-off or profit and loss write-off ( XXXX< ) repeatedly across XXXX XXXX XXXX XXXX, every month for over XXXX  months. 

According to XXXX XXXX credit reporting standards and the Fair Credit Reporting Act ( FCRA ), a charge-off is a one-time accounting event. It is not permitted to be refreshed monthly or re-aged to falsely imply that the delinquency or charge-off is recent or ongoing. 

The way this account is being reported : Continues to show a past due balance every month after charge-off Marks the account with charge-off codes monthly across all bureaus May be extending the negative impact and duration of the account illegally I have attached screenshots from my credit reports with XXXX XXXX XXXX XXXX that clearly show this improper and repetitive reporting. 

I am requesting that this matter be investigated. If Regional Acceptance can not provide documentation supporting the accuracy of this reporting, I request that the account be corrected to reflect a one-time charge-off in XX/XX/XXXX with a fixed balance or removed entirely from my credit reports. 

This is significantly and unfairly damaging my credit and may be a violation of 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 explanation
Consumer complaint received 2025-06-29 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:
The problem prevalent in all reporting agencies :!. You have a credit card 2. The credit card is paid-off 3. The institution reports that you paid-off the credit card and start to charge you an annual fee, so you close the account because you do not want to use that card anymore because the interest rate is extremely high.

4. Your credit score is automatically reduced a huge amount because you refused to keep a card that has extremely high interest rates and you decide that you do not want to use a credit card like that. " What is a " fraud '' is that the credit reporting agency states that your credit limit is reduced, which is true, but penalize you for closing an account that is abusing the clients with interest rates that are similar to " loan sharks '' interests rates. 

The regulatory agencies must force the credit reporting to not penalize the public for trying to make sound and advisable recommendations, that even the same banks and credit reporting agencies recommend. ( I had happened to me. )

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
The debt collector AMEX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Also, the proper 5 step validation procedure wasnt followed. Which makes this unfair practices, according to the FDCPA Im entitled a XXXX dollars per violation and obviously they violated my rights. These false allegations have made my life hard because I was denied credit cards, home and car loan to get to work and so I wont be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
High interest rates loan not decreasing forced buy extra products to get the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management XXXX XXXX ( MCM ) and their attorneys, XXXX, XXXX XXXX XXXX, XXXX, are attempting to collect a debt through deceptive, unfair, and illegal litigation practices that violate the Fair Debt Collection Practices Act ( FDCPA ). 

The Improper Lawsuit MCM filed a lawsuit against me on XX/XX/XXXX ( Under Appeal in Circuit Court for XXXX XXXXXXXX XXXX, Case No. XXXX ) for an alleged debt of {$2700.00} from an XXXX XXXX account with XXXX XXXX XXXX XXXX 


" Sewer Service '' and False Affidavit ( FDCPA Violation ) On XX/XX/XXXX, a process server hired by MCM 's attorneys improperly left the court summons wedged in my front door handle. I have video surveillance footage documenting this event. Despite this, on XX/XX/XXXX, the server filed a false Affidavit of Service with the court, swearing under oath that service was properly made. Using a false affidavit to prosecute a lawsuit is a deceptive and unfair practice under the FDCPA. 

Improper Judgment and Subsequent Admission of Failure Based on this false affidavit, MCM obtained a default judgment against me. After I filed a motion challenging the service, their process server filed a " Return/Affidavit of Non-Service '' with the court on XX/XX/XXXX. This is a formal admission that service was never completed and the judgment was obtained improperly. MCM 's counsel acknowledged this in a XX/XX/XXXX email where they stated, " The Affidavit of Service was corrected and re-filed ''. 

Other Deceptive Practices The lawsuit is further flawed because MCM breached the original cardholder agreement by not sending a contractually required 30-day " Notice and Cure '' before filing suit. Additionally, the affidavit supporting the lawsuit was signed by a " Legal Specialist '' in XXXX  with no direct personal knowledge of the account, a practice known as " robo-signing, '' and relied on an internal data spreadsheet instead of authenticated records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I previously held a credit card account with Capital One that has since been closed and charged off. I am currently attempting to obtain my full account documentation, including monthly billing statements, transaction history, and the final charge-off statement, for my personal records and review. 

I have attempted to access this information through Capital Ones website but no longer have access to the account. I also contacted Capital One by phone and was told that they no longer have the account or can not provide any details. I was not offered an alternative way to request or obtain my account records. As the former account holder, I believe I am entitled to this information for my own documentation and for the purpose of verifying the details of my past financial obligations. 

Specifically, I am requesting : Monthly billing statements from the accounts opening through the charge-off date The final charge-off statement including charge-off date, balance, and any applied fees or interest Any available transaction or payment history A copy of the original cardholder agreement or account terms, if available To date, I have not received any of these materials despite making multiple attempts. I am not seeking financial compensationonly access to my own account documentation so I can maintain accurate personal financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I reviewed all three of my credit reports and identified a tremendous number of fcra violations. According to the FCRA, this is a violation of the FCRA laws therefore, with the proof that I have attached, the creditor is required to delete this account from credit reports due to violating FCRA guidelines. 

On the attached documents, I have highlighted the areas of this discrepancies on all three credit reports. 

On ( XXXX XXXX it shows the the account has no data reported for XX/XX/XXXX and XXXX and XX/XX/XXXX. On XXXX  it shows 90 days past due for XX/XX/XXXX and charge off on XX/XX/XXXX From XXXX XXXX XXXX its reporting as a charge off On XXXX it shows the account has no data on XX/XX/XXXX, but shows 120 days past due on XXXX 
On ( XXXX  ) it shows 120 days past due for XXXX and XX/XX/XXXX. 
On ( XXXX  ) it shows no data in XX/XX/XXXX and 150 days past due on XX/XX/XXXX XXXX On ( XXXX ) it shows 30 days past due for XX/XX/XXXX and 60 days past due XX/XX/XXXX. On XXXX XXXX  ) it shows 60 days past due for XX/XX/XXXX and 90 days past due on XXXX. 

These are all tremendous amounts of inaccuracies errors and FCRA violations! 
The creditor has had more than enough time to report accurate information has failed to do so therefore, I am requesting removal of the accounts due to violation of my consumer rights and due to violations of the FCRA Laws!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: AK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
On XX/XX/year>, my husband and I closed on an FHA mortgage loan originated and underwritten by XXXX XXXX XXXX. The loan was fully approved with the understanding that title to the property would vest in our revocable living trust, the XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, with both of us serving as XXXX. The closing was conducted through XXXX XXXX XXXX, which issued title insurance reflecting trust ownership. All final documents including the Note, Mortgage, Warranty Deed, and Certificate of Trust were properly executed and recorded.

After the loan transferred to ServiceMac, we discovered that the mortgage account was being serviced in our personal names only, with no mention of the trust, which misrepresents legal title and created potential conflicts for estate planning, insurance, and future transactions. 

Only after we raised the issue in XX/XX/year> did ServiceMac begin listing the account as c/o XXXX XXXX XXXX XXXX XXXX XXXX a partial and still inadequate designation that fails to list the legal owners as Co-Trustees of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> the accurate format as shown in the recorded deed and Certificate of Trust. 

On XX/XX/year>, we submitted a formal Notice of Error under 12 C.F.R. 1024.35, attaching all supporting documentation. We requested the account be corrected to reflect the actual trust ownership and trustee roles, consistent with both the title insurance and the closing documentation. 

On XX/XX/year>, ServiceMac responded by email, inaccurately stating the trust was not part of the loan qualifying process and dismissing the issue without providing documentation or correction. This was not only dismissive but in violation of RESPA requirements under 12 U.S.C. 2605 ( e ). 

On XX/XX/year>, we sent a Formal Notice of Error and Demand for Cure via XXXX XXXX  ( signature required ) and email. The letter outlined the legal violations, impact on title, and harm suffered, and demanded both correction and compensation. It was delivered and signed for on XX/XX/year>. 

As of this submission, ServiceMac has failed to issue a legally required acknowledgment within 5 business days and has taken no action to resolve or investigate the error under federal servicing rules. 

This issue has caused : Clouded title and servicing irregularities Risk to estate planning, resale, and refinancing Violation of RESPA and HUD servicing standards Hours of time and emotional stress, including legal research, documentation, and correspondence Out-of-pocket financial loss, including shipping, document prep, and missed work We are seeking full regulatory review of ServiceMacs conduct and violations.

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 2025-06-29 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 2025-06-29 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: CA

Complaint narrative:
On * * XX/XX/2025 * *, TransUnion added an address to my credit report that I never lived at, authorized, or submitted. I did * * not initiate or consent to this change * *, and no verification was conducted with me. I suspect the data may have been furnished by a third-party vendor acting without proper consent or legal basis. I attempted to file a dispute through TransUnions online portal, but it fails to load and returns persistent errors, preventing me from exercising my federal rights under the Fair Credit Reporting Act. 

Due to system failure, I have been unable to file a dispute. No communication has been received explaining the source of the false address. 

* * Company name : * * TransUnion LLC * * Phone number used to contact company ( if applicable ) : * * XXXX * * Web address where the issue occurred ( if applicable ) : * * 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
On * * XX/XX/year> * *, XXXX  added an address to my credit report that I never lived at, authorized, or submitted. I did * * not initiate or consent to this change * *, and no verification was conducted with me. I suspect the data may have been furnished by a third-party vendor acting without proper consent or legal basis. I attempted to file a dispute through XXXX online portal, but it fails to load and returns persistent errors, preventing me from exercising my federal rights under the Fair Credit Reporting Act. 

Due to system failure, I have been unable to file a dispute. No communication has been received explaining the source of the false address. 

* * Company name : * * XXXX XXXXXXXX * * Phone number used to contact company ( if applicable ) : * * XXXX * * Web address where the issue occurred ( if applicable ) : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 am a victim of identity theft. My credit reports with Equifax and XXXX  contain multiple fraudulent entries that I did not authorize, including hard inquiries and potentially other accounts. The hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for credit with these companies, nor did I give anyone authorization to use my personal information. These items are the result of identity theft. 

I am asserting my rights under FCRA 1681c2 and FACTA 1681g ( e ), which require the consumer reporting agencies to block and delete all information resulting from identity theft upon receipt of a valid identity theft report. 

I have attached my FTC Identity Theft Report to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 2025-06-29 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: AZ

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