vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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:
RE : DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIABLE ACCOUNT MID FL FINANCE To Whom It May Concern : This letter serves as a formal dispute and final demand for the removal of an unverifiable and inaccurate account currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify the accuracy and validity of all information you report. If you can not provide written proof of the source and accuracy of this account, you are legally obligated to delete it immediately. 

The account in questionXXXX XXXX XXXX XXXXXXXX, does not belong to me or is otherwise completely unverifiable. You have 30 days from receipt of this letter to investigate and confirm the legitimacy of this item. If you can not produce physical documentation showing that I am legally responsible for this account, then its presence on my report is a violation of my rights. 

Be aware : failure to comply with this demand will leave me no choice but to take legal action against your agency for willful noncompliance with the FCRA under 15 U.S. Code 1681n and 1681o. I will not hesitate to seek statutory damages, punitive damages, court costs, and attorneys fees. 

I am not asking. I am demanding that this unverifiable and unauthorized account be deleted immediately. This is your final opportunity to resolve this matter without escalation. 

You are to send written confirmation of deletion within 15 days of completing your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NC

Complaint narrative:
Hello, I'm a victim of the Equifax data breach. The privacy of my information has been compromised and as a result of that, i discovered several unauthorized accounts on my credit report. Before reaching out to a attorney i would like to resolve this issue. Please remove and block these items immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
American credit finance automobile was charged off and they got their money owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Nv XXXX [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Information Under FCRA Dear Equifax and Experian, I am writing to formally dispute inaccurate information on my credit report, which I believe is a result of the XXXX Equifax data breach that compromised the personal information of approximately XXXX XXXXn U.S. consumers, including Social Security numbers, birth dates, and addresses. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate the following items and remove any information that can not be verified : XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX number XXXX In support of my dispute, I have enclosed copies of relevant documents, including : [ You are including identity theft affidavits } Please conduct a thorough investigation of these items and provide me with the results of your findings. If you find that the information is indeed inaccurate or can not be verified, please remove it from my credit report. 

Additionally, I request that you provide me with a free copy of my updated credit report, reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Ria Envia, LLC
State: CA

Complaint narrative:
In my daily review of my bank account status on XXXX XXXX, I noticed a charge in the amount of {$2500.00} from someone named " Continental Exchange Solutions. '' I have never heard of this company or dealt with them. A search revealed they have a checkered past and may be known by other names, two of which are listed on this uploaded document. I have also never heard of these two. As for the " consent '' referred to, I never gave any consent to any outfit named in connection with this debit, nor have I made any purchases or done any business with any of them. I filed a fraud complaint with the bank, lodged a fraud report with the FTC, changed my username and password, cancelled accounts with 2 companies that seem to be connected with " Plaid '' which I also have never heard of or dealt with. I tried to disconnect with Plaid, but it seems I've never been connected to them in the first place. I contacted one of the alternate names, but they claim never to have heard of CES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
On XX/XX/year>, Wise sent me notice that I needed to upload documents to verify my Wise Business account. I quickly complied and submitted those documents. I was promised that my account would be verified within several business days. 

It is now XX/XX/year> - nearly XXXX months later - and my Wise Business account is now restricted for not submitting verification documents. When I go to the account verification page, the only message I see is : " We have everything we need for now, Were now checking your information and well notify you if there is anything else required. '' I have attempted to reach out to Wise support about this issue but they were entirely unhelpful and refused to address this particular issue related to my Wise Business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Trans Union LLC Consumer Dispute Center Experian Equifax Information Services LLC RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( Equifax, Experian, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following accounts : EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, 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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint against TransUnion for their mishandling of a known case of identity theft. 

In XX/XX/scrub> 2024, a XXXX XXXX XXXX XXXX XXXX account ( account number ending in XXXX ) was fraudulently opened in my name for {$550.00}. I disputed this account with TransUnion and provided sufficient documentation to show it was the result of identity theft. After my initial dispute, TransUnion correctly removed the fraudulent account from my credit report.

However, TransUnion has since reinserted the account onto my credit file without providing the legally required written notice within five business days, as outlined under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). I received no verification of the reinsertion, no written explanation, and no indication that the account was properly validated by the original furnisher of the information.

Furthermore, per 15 U.S. Code 1681c-2, once an account is determined to be fraudulent, the credit bureau is legally required to permanently block it from appearing in the consumers file. TransUnion has failed to meet this obligation.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I disputed this account with the credit bureaus and requested full validation of the debt. Midland Credit Management failed to provide documentation verifying that the debt is accurate, valid, or legally enforceable. They did not show any signed contract, original billing statements, or legal chain of custody from the original creditor. This account is negatively affecting my credit and Midland is continuing to report it without providing proper proof. I am requesting deletion of this account under the Fair Credit Reporting Act ( FCRA ) for failure to comply with verification standards. 

This is a corrected re-submission of complaint # XXXX to include the required documentation that was missing from the original filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I put {$7000.00} down on a new car, and after paying on it for over two years, it is still upside down, but upside down XXXX This was right in the middle of Covid and there is no way I should be upside down XXXX dollars If I put XXXX down. I should have some equity in this vehicle, so I can sell it, and pay it off, instead of letting them repossess it. Then getting sued for XXXX I owe, but shouldn't. The car is a XXXX  and in mint condition, minus a chipped front window that spread. 

I just want out of the car, but XXXX and those places say its only worth XXXX, and Capitol One says I owe XXXX But THe car should have only cost me XXXX with XXXX down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I booked a hotel room with XXXX during XXXX XXXX week in XXXX XXXX .. I booked super early, almost a year in advance and received a super low rate. That hotel lost my reservation .. XXXX stepped in to offer me another hotel with no additional cost to me. Unfortunately, they then charged me the new expensive rate. I contacted both XXXX and Barclays Bank with XXXX  help from either..

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 2025-05-25 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: NM

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see these account are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I writing this letter because I have a new credit card with Capital One. The card number ends in XXXX. The card was issued in XX/XX/XXXX. 

My payments are this card are usually minimum {$25.00} a month. The limit is only {$300.00}. My payments are way over the {$25.00} a month. I pay over the minimum payment required each month. 

I made an additional payment of {$50.00} from my XXXX XXXXhecking account on XX/XX/XXXX. XXXX notified me that my payment didnt go through on XX/XX/XXXX. 

I have attached my XXXX statement from XXXX. The payment was never presented. I inquired with Capital One as to why the stated my ACH payment was returned and showed them proof that the payment was never presented. 

Capital One sent me a letter stating that they could not resolve my inquiry at this time. This doesnt make sense. I need clarification as to why they stated the ACH didnt go through. It was never presented. 

I have always paid my payments on time to Capital One and made extra payments in any given month. I tried to obtain a credit line increased and was told I couldnt get my line increased due to a return payment. This is not true. I dont have a {$50.00} payment returned. So, this shouldnt prevent me from getting a credit line increase. 

I have furnished all of the documentation needed to support my inquiry. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a refund from a merchant that was processed to an old Bank of America debit card I no longer have. The refund was issued on XX/XX/XXXX, but the original purchase was made in XX/XX/XXXX, and the debit card was last active around XX/XX/XXXX. The merchant confirmed the refund was sent successfully to that card ( I have the refund ID from XXXX ), and I have double checked with a BoA associate that the original purchase was made with my BoA debit account, but Bank of America claims the card " doesnt exist '' and refuses to locate the refund or escalate the issue, as they need ' a transaction to be able to create a dispute '. 

I was told by multiple parties ( merchant and banking professionals ) that refunds to old or lost debit cards should still be routed to the underlying checking account, especially if the account is still open ( mine is ). Despite this, I have not received the refund, and Bank of America has not helped me trace or recover the funds. 

I am seeking help getting Bank of America to trace the refund through the correct department, identify whether it was received or rejected, and ensure the funds are properly applied to my account or returned to the merchant.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: WV

Complaint narrative:
b'I would like debt validation from CAINE & WEINER XXXX Information\nAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXResponsibility Individual Account\nAccount Type Open Account\nLoan Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
I formerly disputed the address on the experian website and sent in a dispute letter in XX/XX/year> for the address below. It is older 7 years old. Experian refuses to remove the address and they have not provided the documentation of their investigation. 

Not only have they not deleted the account, provided information on their investigation process they have refused to tell me which account the address is tied to.

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 2025-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Fraudulent Account Identified : Creditor : XXXX XXXX XXXX Account Type : Auto Loan Opened : XX/XX/XXXX Original Balance : {$14000.00} Current Amount : {$7400.00} Account Number : XXXX Evidence of Identity Theft : Police Report Number : XXXX This account was opened fraudulently during a documented data breach Equifax XX/XX/XXXX data breach I submitted an FTC Identity Theft Report XXXX and a police report to all three credit bureaus and XXXX XXXX. 

I have repeatedly requested copies of the original application and contract from XXXX XXXX to prove this account is not mine, but they have not responded. 

Credit Bureau Failures : I first disputed this account with Equifax, Experian, and TransUnion via certified mail Despite providing copies of my identity theft report, SSN, and government-issued ID, the bureaus have neither investigated nor removed the account. 

It has been over five years since my initial dispute, and I have received no substantive response from the bureaus or XXXX XXXX. 

Violations of the FCRA The credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( d ) : Failure to notify me of investigation results within 30 days. 

Requested Resolution I urge the CFPB to : Investigate Equifax, Experian, and TransUnion for their noncompliance with the FCRA. 

Direct the bureaus to permanently remove the fraudulent XXXX XXXX account from my credit reports. 

Require the bureaus to provide written confirmation of the deletion and corrected copies of my reports. 

Investigate XXXX XXXX refusal to provide documentation or respond to my disputes. 

Require the bureaus and XXXX XXXX to explain how this fraudulent account originated ( e.g., data breach vulnerabilities ).

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