vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I have unauthorized credit inquires reporting on my credit report. I did not authorize these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a gift card from XXXX that has {$250.00} however I am unable to register and use it. When I call them they are asking for driver 's license and smells like a 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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Email XX/XX/XXXX collection for {$330.00} ; the payment jumped to {$900.00}. On XX/XX/XXXX and XX/XX/XXXX, an offer to pay a XXXX XXXX XXXXiscount was made. On XX/XX/XXXX, {$970.00} was still being charged. I do not have the funds to pay this account that continues to change prices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TN

Complaint narrative:
Reported to cashapp that there was XXXX transactions done on my card that i didnt do an requested my money back for them and the told me no and i asked to speak with a supervisor or manager to request my money back the costumer service told me no and I asked for corporates number and they refused to give me corporates number highly upset that i lost over XXXX dollars that I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTN : DISPUTE/CLIENT RESOLUTION Specialist RE : CLOSED/CHARGE OFFS Please be advised that as of XX/XX/year> as listed on my most recent reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to be explicitly clear with my request. I am not requesting a " validation '' of debt ; but instead, am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Deb Collection Practice Act.

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. IF you are unable to produce said requirements within the generously allotted threshold, by federal la you are required to remove the accounts from my consumer report without prejudice. 

Warm regards, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX ATTN : DISPUTE/CLIENT RESOLUTION Specialist RE : CLOSED/CHARGE OFFS Please be advised that as of XX/XX/2025 as listed on my most recent reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to be explicitly clear with my request. I am not requesting a " validation '' of debt ; but instead, am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Deb Collection Practice Act.

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. IF you are unable to produce said requirements within the generously allotted threshold, by federal la you are required to remove the accounts from my consumer report without prejudice. 

Warm regards, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
No mortgage statements from New Servicer Increase of payments yet I'm still expected to pay the old amount for " trial payment plan '' Old Servicer has sent me selected information which did not include a recension of the trial payment plan XXXX XXXX XXXX XXXX XXXXXXXX New Servicer informed me that the transferred " trial payment plan '' is cancelled in order to open a new one but the payment for XX/XX/year> is still due as scheduled. 

XXXX XXXX XXXX XXXX XXXX New Servicer asks if they can make contact within the next 7 days New Servicer accepted documents for assumption without contacting the " assumption department '' New Servicer notified me that they are a debt collector New Servicer notified me there is a foreclosure sale New Servicer can't locate XXXX previous payments made to Old Servicer New Servicer processed a third party to be added XXXX Initiated and contacted New Servicer assumption department and they were responsive XXXX Certified mail informing me of a " foreclosure sale date of XXXX '' after the debt collection firm emailed the third party that it was " cancelled. '' XXXX Debt Collection law firm sent a certified foreclosure sale letter to my ex husband about my debt in which he is not named as a successor in interest/contributor to his parents address so he was informed about my debt. 

Debt collection law firm did the same to my mother 's address after sending her an email that it was canceled. 

Debt collection law firm has not filed a Motion to cancel as of yet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: KY

Complaint narrative:
I am submitting a formal complaint against Transunion for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX, I identified discrepancies in the following account : 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 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 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 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 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 XXXX XXXX : [ inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders.

Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report.

I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion.

Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Thank you so much for your time.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders.

Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report.

I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion.

Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Thank you so much for your time.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am formally disputing a late payment reported on my credit account by Capital One XXXX and XX/XX/year>. 

According to 15 USC 1666b, creditors are required to send periodic statements with the information specified in 15 USC 1637b. I request that Capital One provide proof that these periodic statements were sent in compliance with these regulations. 

Specifically, I request the following : XXXX. Proof that the periodic statement containing the required information under 15 USC 1637b was sent to me. 
XXXX. Evidence that these documents were mailed and delivered, including a receipt with my signature confirming that I received them. 
XXXX. Verification that the periodic statement was sent at least 21 days before the payment due date. 
XXXX. Proof that a negative information notice was sent regarding the late payment, as required by law. 

I believe I did not receive the necessary documentation within the required timeframe, and I am requesting you to investigate this matter thoroughly. Please provide the aforementioned proofs to substantiate the late payment claim. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I have made my payments with capital XXXX. I just got a letter saying that the closed my account. They said it's because of too many XXXX. Which they told me for the longest time was the only way to pay the bill, by ACH. They would take days and even up wards of a week or more to take the money. They told me I couldn't pay by debit card for almost a year. I have been corresponding with them and then out of the blue they closed my account even though I have paid the account to a XXXX balance twice. Now it's going to hurt my credit because they don't take there payments on time and they are always taking there sweet time. Now they have the pay by debit card option and they told me they've always had it when they didn't. I feel I was wollromged with miss information that will hurt my credit because of their bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This is a third party that is trying to collect on a debt that I do not owe. Yes I once live at the location that they are trying to collect them, but I did not break a lease. I was not evicted and I dont understand why they are saying that I owe debt at this location. They can not present me with an eviction notice that I received or broken lease that I received the only thing they can say is that I owe a debt at that location and the only thing they can provide me with is a bill rent. Company name rent recovery solution account number XXXX I do not owe this amount. I will not pay this amount, but I would love for this to be removed from my credit report or the matter where it be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding a charged-off vehicle loan ( account ending in XXXX ) originally totaling {$30000.00}. The account was charged off in XXXX with a final balance of {$32000.00}. Despite the charge-off, no IRS Form 1099-C or 1099-A has been issued or disclosed, and the account continues to report negatively. 

On XX/XX/XXXX, I sent a notarized fiduciary notice and rescission demand requesting : Full accounting ledger IRS XXXX, XXXX, or XXXX filings XXXX and title transfer documentation Wet-ink XXXX agreement Proof of any sale, securitization, or third-party assignment Navy Federal failed to respond. Instead, they passed the account to XXXX third-party XXXX ( XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX ), all while the account was under lawful dispute. I sent each agency remittance letters and notified them of violations. 

Navy Federal also failed to refund XXXX insurance I paid, and mishandled XXXX registration after refinancing my auto loan from XXXX. They are knowingly reporting a balance after charge-off, in violation of XXXX XXXX and Fair Credit Reporting Act standards. 

Their conduct violates : 15 U.S.C. 1692g ( b ) : Continued collection during dispute 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresentation of legal debt status 26 U.S.C. 6050P : Failure to issue IRS discharge forms 15 U.S.C. 1635 : Truth in Lending Act rescission due to nondisclosure UCC 9-210 : Failure to produce requested account records I am requesting deletion of the account, full disclosure of IRS filings , proof of lien and title status, GAP refund, and {$75000.00} in financial compensation for procedural harm, emotional distress, and violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Interest when i would pay the monthly off entirely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
I am a victim of identity theft. I learned that my personal information was used to open an account at several companies. I did not open or authorize this account, and I therefore request that it be removed immediately. 

The accounts and inquiry are listed as follows. " XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX reported balance of {$2300.00}. " XXXX '' opened on XX/XX/XXXX reported balance of {$0.00}. " XXXX XXXX  '' opened on XX/XX/XXXX reported balance of {$9000.00}. " XXXX XXXX XXXX '' inquired on XX/XX/XXXX. 

The " XXXX XXXX XXXX has been a pain to deal with. I have tried to reach the company several times to get them to understand i wasn't the person who authorized this account and no luck. This account has had a decreased in balance of {$1.00} since the reported date. The original balance being {$9000.00}. The accounts has also been removed from EQUIFAX and was somehow transferred to TRANSUNION. That is a violation because a credit account CAN NOT be directly transferred from XXXX bureau to another. If an account has been reporting on XXXX bureau and then was removed it should stay removed and not go to a separate bureau. Not only that, but the accounts are related to an address that is not currently mine. All of this proving how inaccurate this information really is, but despite this inaccuracy it is still being reported.

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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENT FOR COMPLETE INFORMATION. THE JC PENNY MASTER CARD IS SHOWING AN ACCOUNT ENDING IN XXXX ON ONE PAGE OF THEIR WEBSITE, AND A DIFFERENT ACCOUNT NUMBER ON ANOTHER PAGE. AND HAVE REFUSED TO FIX THIS ERROR ON THEIR WEBSITE. THE ISSUER HAS REFUSED TO FIX MY ACCOUNT, WHERE IN PARTS IT'S SHOWING THE OLD ACCOUNT AND IN PARTS ON THE WEBSITE IT'S SHOWING THE RIGHT ACCOUNT INFORMATION, WHICH IS CARD ENDING IN XXXX. IF THEY CONTINUE SHOWING THE WRONG INFORMATION, I'M AFRAID THEY WILL START REPORTING THE WRONG 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 explanation