vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting Failure to Provide 1099-C To Whom It May Concern : I am writing to formally dispute a charged-off account currently listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX  : ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Amount : {$620.00} Reported as Charged-Off on : they have conflicting information and have listed XXXX different dates XX/XX/XXXX and XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be complete and accurate. This account is listed as a write-off or charge-off, which typically indicates a cancellation of debt. However, I have not received a 1099-C form, which is required by the IRS when a lender cancels a debt of {$600.00} or more. 

If this debt was indeed cancelled or forgiven, the creditor is legally obligated to issue a 1099-C, and I should have received a copy for tax purposes. The absence of this form raises serious concerns about the accuracy and completeness of this accounts reporting.

Therefore, under 15 U.S.C. 1681i and 1681s-2, I request that you remove XXXX XXXX off of my credit reports from all XXXX credit bureaus respectively. 

Please conduct your investigation and provide a written response within the 30-day time frame as required by the FCRA. 

Attached are copies of my identification and a copy of my credit report showing the item in question for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
RE : Inaccurate Information After reviewing my credit report, I noticed the following accounts are not being reported correctly. Please update the following account ( s ) as paid on time or paid as agreed : Date of late payments : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a dispute I submitted concerning an account reported by Midland Credit Management. 

On or around XX/XX/year>, I received a notification from XXXX stating that the account has not been changed and will remain on my credit report. The account in question is : - Company : Midland Credit Management - Account Number : XXXX - XXXX Report Number : XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX The account with XXXX XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. 

Source : XXXX Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX Despite my proper dispute, XXXX  failed to provide any documentation or verification to prove the validity of the debt. No evidence was sent to me, and there was no indication of a legitimate reinvestigation process. 

Violations of the FCRA Include : - 15 U.S.C. 1681i ( a ) : XXXX  did not conduct a reasonable reinvestigation of the disputed information. 
- 15 U.S.C. 1681e ( b ) : The continued reporting of an unverified debt violates the duty to maintain maximum possible accuracy. 
- 15 U.S.C. 1681i ( a ) ( 6 ) : XXXX did not notify me with results that included proper documentation or procedures taken. 
- 15 U.S.C. 1681i ( a ) ( 3 ) : If the account could not be verified, it should have been deleted. 

Pattern of Noncompliance : XXXX has been previously sued by the CFPB for similar violations, including failure to properly reinvestigate disputes and for continuing to report inaccurate or unverifiable information. This instance reflects a continuing pattern of systemic FCRA violations. 

Requested Relief : I respectfully request that the CFPB : 1. Investigate XXXX reinvestigation practices in this case. 
2. Require Experian to delete the Midland Credit Management account if no verifiable documentation can be provided. 
3. Impose any appropriate penalties for failure to comply with federal consumer reporting requirements. 

I am attaching the response I received and request that this matter be resolved urgently, as it negatively affects my creditworthiness and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-05-30 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:
I am disputing an account reported by XXXX XXXX XXXX. The account includes inaccurate and unauthorized late payments. I submitted an FTC Identity Theft Report and formally dispute the accuracy under the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). XXXX failed to verify or remove the negative entries, violating their duties under 15 USC 1681s-2 ( b ). I am requesting immediate removal of the incorrect information and all associated delinquencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX. The account includes inaccurate and unauthorized late payments. I submitted an FTC Identity Theft Report and formally dispute the accuracy under the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). XXXX failed to verify or remove the negative entries, violating their duties under 15 USC 1681s-2 ( b ). I am requesting immediate removal of the incorrect information and all associated delinquencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX. ACCOUNT DETAILS : Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Fraudulent Inquiries to Be Removed : XXXX - XX/XX/XXXX AM XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Equifax on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am demanding under FCRA 15 USC 1681i and 605 B that Equifax block the XXXX  XXXX account number XXXX within 4 business days under federal law. I have filed multiple disputes in which Equifax have stalled asking for identity verification, claiming they can't read my letters, and requesting address verification which I have provided MULTIPLE times. 

I have demanded that Equifax provide the SPECIFIC method of verification pertaining to the specific XXXX  XXXX fraudulent account, and I have not received it. Instead of providing me with the method of verification, Equifax just updates my credit report with a payment ledger of payment made by the identity thief. Pursuant to the FCRA a payment ledger/history of payments made by the identity thief is not debt validation and it does not validate that I XXXX XXXX opened up this account. I am requesting AGAIN a copy of the entire original application showing the signature page & Im requesting a copy of the XXXX  XXXX contract. Provide me with the method of verification on how you verified this SPECIFIC XXXX XXXX account and provide me with Copy of the original application showing signature. Equifax has an obligation to report information on my consumer report with 100 % maximum accuracy. This has not been done. Stating that XXXX XXXX has verified this account as accurate & marking y credit report as verified is another FCRA violation as Equifax is supposed to be conducting independent investigations. I have suffered severely due to Equifax 's false reporting and there failure to conduct a proper and fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/year>, a letter was sent to Experian that they completely ignored. I am submitting this complaint regarding Experians continued reporting of accounts on my consumer report, despite these accounts being associated with companies that have failed to comply with the mandatory privacy notice and opt-out requirements under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802 and 6803.

Experian has been notified that these accounts can not lawfully appear on my report without the companies first providing the required privacy notices and opt-out opportunities as mandated by federal law. Experian has not produced any documented proof that the companies complied with these requirements and yet continues to list the accounts on my report. Under the GLBA, financial institutions must issue clear privacy notices and provide consumers the right to opt out of certain information sharing. Without compliance with these requirements, the accounts are unlawfully reported and must be removed. I am requesting that the CFPB investigate Experians failure to verify compliance and require them to remove these accounts unless valid proof of GLBA compliance is provided. The following accounts need to be deleted from my consumer report due to Non-Compliance : XXXX XXXX XXXX XXXXAccount # XXXX Non-Compliance, Please Delete Account XXXX XXXXAccount XXXX XXXXGLBA  Non-Compliance, Please Delete Account XXXX XXXXAccount XXXX XXXXXXXXGLBA Non-Compliance, Please Delete Account I have attached fhe follow-up letter to Experian 's Compliance Department

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-05-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the bureaus have colluded with creditors and violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this payment experience being reported.

They are also in violation of 15 USC 1681eb for maximum accuracy And 15 USC 1681s-2a1a for willfully reporting inaccurate information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: OR

Complaint narrative:
Subject : Formal Complaint Against TransUnion Failure to Remove Fraudulent Account Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion regarding their failure to remove a fraudulent account from my credit report despite providing sufficient evidence. 

Details of the Issue : Name : XXXX XXXX XXXX of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX OR XXXX Credit Report Affected : TransUnion Fraudulent Account : XXXX XXXX XXXX. 
Account XXXX : XXXX I discovered this fraudulent account on my credit report and immediately took action to dispute it. I followed all necessary steps, including : Submitting a formal dispute to TransUnion on multiple occasions. 
In addition, providing a police report verifying that the account is fraudulent. 

Despite my efforts, TransUnion has refused to remove the fraudulent account, stating that the creditor confirmed its validity. This is unfair and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus conduct a reasonable investigation into consumer disputes. 

I am requesting that the CFPB intervene to ensure that TransUnion complies with federal regulations and removes this fraudulent account from my credit report. This ongoing issue has negatively impacted my creditworthiness and financial well-being. 

Thank you for your assistance in resolving this matter. Please let me know if you require any further information. 

Sincerely, 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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I message them numerouly here are the charges which are hidden on the actual statement. 

XXXX XXXX $ Credit Card Payment Received - XXXX Credit Card Payments XX/XX/year> $ INTEREST CHARGE-PURCHASES- XXXX Service Charges/Fees $ INTEREST CHARGE-CASH ADVANCES - XXXX Service Charges/Fees XX/XX/year> $ Credit Card Payment Received - XXXX Credit Card Payments XX/XX/year> $ INTEREST CHARGE-PURCHASES- XXXX Service Charges/Fees $ INTEREST CHARGE-CASH ADVANCES - XXXX Service Charges/Fees XX/XX/year> Credit Card Payment Received - XXXX Accounts Move Money Deposits Cards XXXX ' {$410.00} {$16000.00} - {$240.00} {$16000.00} - {$0.00} {$16000.00} {$420.00} {$16000.00} - {$250.00} {$16000.00} - {$0.00} {$16000.00} XX/XX/year> $ Credit Card Payment Received - XXXX Credit Card Payments {$400.00} {$16000.00} XX/XX/year> $ INTEREST CHARGE-PURCHASES- XXXX Service Charges/Fees $ INTEREST CHARGE-CASH ADVANCES - XXXX Service Charges/Fees XXXX XXXX Credit Card Payment Received - XXXX Credit Card Payments XX/XX/year> $ INTEREST CHARGE-PURCHASES- XXXX Service Charges/Fees $ INTEREST CHARGE-CASH ADVANCES  XXXX XXXX Service Charges/Fees XX/XX/year> Credit Card Payment Received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: TX

Complaint narrative:
I am a verified account holder with XXXX and reported fraud on my account in XX/XX/year>. Despite this, I have not received a replacement debit card, and I have no way to access my funds. I was told ACH transfers are not supported bank-to-bank, and the routing/account number is incompatible with platforms like XXXX, XXXX, or XXXX without a debit card. 

I have informed XXXX that this delay has created a housing emergency, as I can not pay rent. Despite multiple callsincluding speaking to a supervisorI have received no viable solution. They have refused to send confirmation emails, issue a virtual card, or provide access to my funds in any form. 

XXXX  refusal to help is causing irreparable harm and financial distress. I am requesting that CFPB intervene so I can receive immediate access to my legally owned funds or be provided a valid alternative, such as a virtual card, check disbursement, or expedited resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: TN

Complaint narrative:
This complaint is in response to a listing placed on my credit report and/or a collection attempt from this company. This is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The name and address of the original creditor 2. A copy of the original signed contract or agreement bearing my signature 3. A complete accounting and payment history of the alleged debt 4. Proof that your company is authorized to collect on this debt, including the chain of assignment and ownership 5. The amount of the original debt, any added fees, interest, or payments

Company response to consumer: Closed with explanation