vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I submitted a XXXX  request regarding a negative mark on my credit report tied to my account ending in XXXX. I explained that although I was not directly impacted in XXXX, the financial hardship from XXXX through XXXX aligned with the broader economic impact addressed under the CARES Act. I asked whether any COVID-19 relief options would apply in my case. 

Despite contacting the company during that time including instances where I was threatened with account closure my concerns were dismissed. They denied my initial goodwill request and provided no clear reasoning or reference to CARES Act compliance. I am questioning whether their denial aligns with the relief standards and consumer protections set forth under the CARES Act. 

Why Im submitting this complaint : I am seeking clarity and review of whether the company properly considered the context of my hardship under COVID-19 guidelines, and whether their denial is in accordance with CARES Act provisions. I feel my inquiry was not taken seriously, nor properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AL

Complaint narrative:
I received communications from Discover card that I needed to provide my IRS tax transcript in order to verify my income or the account would be closed by XX/XX/year>. According to the customer service representative the credit bureaus are required to verify income before opening an account and as a current customer I am subject to a review of my income and account. Per the customer service representative the vague and ambiguous language that states my income can be verified through other means is left open to interpretation. The service representative stated that Discover card was entitled to request the IRS tax transcript and were also able to close the account if I failed to provide this information. I was forwarded the request through XXXX as well. I feel this constitutes a breach of contract and the harrassment from Discover card was further excacerbating the issue. The company should not feel entitled to probe into customer 's personal income tax information particularly, if this step is not taken as an initial qualifying measure for opening an account with Discover card. Furthermore, I have never been subjected to this sort of scrutiny from any creditor as it was demeaning and degrading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I want to remove the PMI from my mortgage loan with Truist. Here are the relevant facts : 1. I have been paying this loan for my property at XXXX XXXX XXXX for three years and two months. 

2. I have never missed a payment or paid late. 

3. I have an XXXX credit score. 

4. The property has increased in value significantly and the loan to value is well below 75 %. 

5. I have substantially upgraded the property. 

6. I applied for PMI removal in XXXXXXXX XXXX and my request was denied. 

7. I spent hours compiling receipts and sent a spreadsheet outlining all the improvements I made to the property. 

8. I sent a XXXX from a licensed appraiser with four very accurate comps. 

9. Truist still refuses to remove the PMI from my account so I'm filing a complaint with the CFPB.

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 2025-04-10 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: 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 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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding my Spark Business Credit Card account. As a small business owner in California, I am committed to responsible credit use and regularly monitor my statements for accuracy. 

On XX/XX/XXXX, Capital One assessed a {$150.00} annual membership fee for the period of XX/XX/XXXX through XX/XX/XXXX. I reviewed my XXXX statement and, on XX/XX/XXXX, notified Capital One of my intention to close my account, due to a change in business policy to avoid credit cards with annual fees. 

At that time, a minor dispute was pending with XXXX for a {$21.00} charge dated XX/XX/XXXX, which I had properly identified and reported. That charge appeared on my XX/XX/XXXX statement. As of XX/XX/XXXX, I have spoken to Capital One representatives three times. Despite my cooperation and attempts to close the account, I am being told : The {$150.00} membership fee will not be refunded, and My account can not be closed because the {$21.00} charge is still under dispute. 

As of XX/XX/XXXX, XXXX has acknowledged the error and issued a refund. I am complying with the cardmember agreement and acting in good faith. Yet, I am being penalized by being forced to keep the account open and pay an annual fee for a period I do not intend to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation and Assignment Contract Pursuant to 15 U.S.C. 1692c- Account Number- XXXX Dear Sir/Madam, Please provide the following : Assignment Contract A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt. 


Chain of Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company. 


If these two documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX, XXXX, and XXXX. 
Please provide this information within the 30-day period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I have submitted 2 to 3 different disputes during the month of XX/XX/XXXX on the same thing with different information on the account and it took them less than 24hours Everytime to deny me and I know it should take longer than that for them to discuss with the funisher and evaluate all of my information. 
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$410.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$410.00} Highest balance O - Terms 1 Month On record until Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance O {$1300.00} Balance updated XXXX Recent payment Monthly payment Original balance O {$1300.00} Highest balance O Terms 1 Month On record until

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
I received a call back in XX/XX/XXXX about a debt. I told the lady that I spoke to I request a debt validation be sent to me. I also told her I want all communication to be sent via email and not to call me on the phoneI did not receive a email for three months she proceeded to call me again today ( XX/XX/XXXX ) to ask me why I have not responded to her while we was on the phone. She sent me the debt validation message. This is well past the 30 days that I requested that validation and she still called me after I said not to call.

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 2025-04-10 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
To : LexisNexis Consumer Center RE : Formal Complaint and Demand for Immediate Correction Date : [ XXXX ] To Whom It May Concern : This letter serves as a formal complaint and demand for immediate correction regarding LexisNexiss unlawful and unauthorized reporting of inaccurate, misleading, and damaging information related to a landlord-tenant dispute on my consumer file. 

LexisNexis reported this information without my express permission, without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), and in direct violation of my rights as outlined under federal law. The matter in question was either dismissed, resolved, or formally requested for removal by the landlord, and should never have been disclosed or reported in a manner that falsely implied a negative standing. This reckless reporting has resulted in denial of credit, financial harm, and reputational damage. 

LexisNexis has failed in its duty to ensure maximum possible accuracy of information furnished under 15 U.S.C. 1681e ( b ), and violated my rights under 15 U.S.C. 1681b by furnishing my information without lawful grounds or my consent. 

I am demanding the immediate removal and permanent suppression of this inaccurate and unauthorized reporting from all files and systems accessible to third parties, along with written confirmation of such action. Additionally, please provide the following within 15 days of receipt of this notice : 1. A complete copy of my consumer file currently held by LexisNexis ; 2. The name and permissible purpose of any entity that accessed this information ; 3. A statement of investigation into this matter and steps taken to ensure compliance with FCRA. 

If this matter is not resolved promptly, I will pursue all available legal remedies, including but not limited to formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages and injunctive relief. 

This is your final opportunity to rectify this matter before further escalation. 

Sincerely, [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
XX/XX/XXXX These accounts below needs to be removed immediately. These are not my accounts and needs to be removed off my report ASAP. I am not associated with this address and these illegal/fraudulent accounts needs to be removed. Attached is my address from my XXXX XXXX XXXX THAT CLEARLY SHOWS MY ADDRESS AS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax asked me to send in documents verifying my address and here it is. Remove all these accounts off my report ASAP as they are not TIED TO ME! 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 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 2025-04-10 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: CA

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I requested a debt validation requested a copy of history of payments a copy of contract between me and creditor and a copy of my signature on a contract. This account is still showing open also requested that. Were there any write offs on this? Account as part of my debt validation letter I feel the XXXX is not doing the proper investigation and I feel that theyre not thoroughly doing it. It keep reporting open and this account should have been closed over two years ago.

Company response to consumer: Closed with explanation