vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA XXXX, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA XXXX ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NJ

Complaint narrative:
Ive been charged multiple late fees by my credit card issuer, often {$29.00} {$40.00}, even when my payment was only a few days late. I recently learned the CFPB set a cap of {$8.00} for late fees unless the issuer can prove higher collection costs. I have XXXX credit cards and all has different fees. 

I called the company to ask for refunds or a review of my past charges, but they either refused or only refunded one fee. Ive had multiple late fees over the last 12 years, and I believe many of them violate the current CFPB rule or were unfairly applied.

I request that the company refund all excessive or improperly justified late fees and ensure their fee practices are compliant with CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On or around XXXX of this year, while reviewing my credit report, a debt validation letter was sent to XXXX XXXX XXXX, requesting validation of an alleged debt " XXXX XXXX XXXX XXXX ''. 
It is now almost 45 days after the letter was sent and no answer was received from the aforementioned party. 
I humbly request that the entry on my credit report be removed, seeing that there was no validation information received. 
Please find attached, copy of debt validation letter sent to the aforementioned party..

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On or around XXXX of this year, while reviewing my credit report, a debt validation letter was sent to XXXX XXXX XXXX, requesting validation of an alleged debt " XXXX XXXX XXXX XXXX ''. 
It is now almost 45 days after the letter was sent and no answer was received from the aforementioned party. 
I humbly request that the entry on my credit report be removed, seeing that there was no validation information received. 
Please find attached, copy of debt validation letter sent to the aforementioned party..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: EQUIFAX, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
There's a account on my credit report that is causing me a lot of damage. I have contact the credit reporting agency but no solution. 
I do know if this account is not mine i must reported to credit agency but the account is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On or around XXXX of this year, while reviewing my credit report, a debt validation letter was sent to XXXX XXXX XXXX, requesting validation of an alleged debt " XXXX XXXX XXXX XXXX ''. 
It is now almost 45 days after the letter was sent and no answer was received from the aforementioned party. 
I humbly request that the entry on my credit report be removed, seeing that there was no validation information received. 
Please find attached, copy of debt validation letter sent to the aforementioned party..

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 2025-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The following ACH transfers were taken from my savings account without my permission. I don't know who XXXX XXXX XXXX is nor do I know who XXXX XXXX is. 

XX/XX/year> XXXX CO NAME : XXXX XXXX XXXX  XXXX XXXX XXXX DATE : CO ENTRY XXXX SEC : XXXX XXXX # XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXX : XXXX XXXX CO NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : CO ENTRY XXXX SEC : XXXX XXXX # XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXX : XXXX ACH debit {$480.00} XX/XX/year> XXXX CO NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : CO ENTRY XXXX SEC : XXXX XXXX # XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXX : XXXX XXXX CO NAME XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DATE : CO ENTRY XXXX SEC : XXXX XXXX XXXX XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXX : XXXX ACH debit {$10.00} XXXX XXXX, 2025 XXXX CO NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : CO ENTRY XXXX SEC : XXXX XXXX XXXX XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXX : XXXX XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX XXXX DATE : CO ENTRY XXXX SEC : XXXX XXXX XXXX XXXX XXXX IND ID : IND NAME : XXXX XXXX XXXX : XXXX ACH debit {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: MD

Complaint narrative:
I took out a XXXX loan with BMG Money in XXXX XXXX XXXX. According to the contract I was supposed to deposit XXXX a week to XXXX from my paycheck every week to fulfill my contract until my contract is paid XXXX at the end of my term of contract. During this time, I paid more than the original contract was to be paid so I finish the paying off the loan early. At this time my credit report was showing that I owed more than what the original debt, even me paying and depositing all money the account to the third-party account, where BMG Money is to take the money out. After investigating the matter and speaking to numerous representative It was told to me that I owe fees for nonpayment. I have showed all pertaining documents and talk to several representatives and email all original contract and payments I made. When looking into all my payments it looks like BMG money authorized only biweekly payments, changing the terms from weekly to bi-weekly making me look like if I missed payments. I contacted BMG Money and submitted the paperwork allowing them to fix the mistake in which they preclude to have phony approach to the matter. They told me to pay I must empty the third-party bank account and pay them the difference which would be more than the XXXX. Not only did they try the bribe me, but they also played with my credit by impacting it showing I missed payments and also change my terms of my loan from 2years to 4 without my permission. I have all email and documentation of these accounts that I've have been violated. I ask for BMG Money to be investigated for fraudulent and deceptive practices along violation of FCRA ( fair Credit Reporting Act ). At this time, they continued to harass me and continue to add fees against me. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: NC

Complaint narrative:
We allowed a voluntary repo on the vehicle. Around XXXX or XX/XX/XXXX we received a letter stating when vehicle is sold we would receive correspondence as to if we owed money to the finance company or if they owed us. In XX/XX/XXXX we were advised by a mortgage lender as it seems the vehicle is still on our credit over a year later to dispute the validity of the item. The dispute was rejected as the company stated vehicle was sold in XX/XX/XXXX and that we still owed a balance of {$18000.00}. This balance was never reported to us until we disputed earlier this year XXXX. We received no contact ( email/phone call/letter/text ) from the company for over 1 year from the time they supposedly sold vehicle and had that remaining balance due to them.

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am formally disputing the reporting of the above-mentioned account, which appears on my XXXX  credit report dated XX/XX/XXXX ( confirmation number XXXX ). 

This account is reported as closed, yet it contains multiple late payments from XXXX through early XXXX. As the account was officially closed as of XX/XX/XXXX and the balance has been paid in full, the continued reporting of delinquencies raises substantial legal concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Legal Violations Involved 1. 15 U.S.C. 1681s-2 ( a ) Data furnishers must not report information they know or have reason to know is inaccurate or misleading.

2. 15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy.

3. 15 U.S.C. 1681i ( a ) Upon dispute, the bureau must conduct a reasonable reinvestigation and delete unverifiable or inaccurate data within 30 days.

The presence of derogatory marks after the accounts closure date is both misleading and damaging to my credit profile. If the payments were not contractually required or are not verifiable, they must be removed.

Action Demanded : Immediately remove all late payment notations associated with this account, OR Permanently delete the entire Regions Bank account entry from my file if the history can not be verified in full.

Provide complete documentation proving the accuracy of these late payments as required by FCRA Section 609 ( a ) ( 1 ). If such documentation does not exist, the data must be deleted in accordance with FCRA 1681i ( a ) ( 5 ).

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 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prog Holdings, Inc.
State: NJ

Complaint narrative:
I entered into a Buy-Now-Pay-Later agreement with XXXX XXXX for a purchase. I missed some payments, and XXXX XXXX began charging late fees that I believe are excessive. I attempted multiple times to contact them to set up a payment plan and to clarify the total amount owed, including these fees. I also asked them to confirm whether they report to credit bureaus or send accounts to collections, because I received conflicting informationinitially they said they do not, but later their response indicated they do. 

Despite my efforts, XXXXXXXX XXXX ignored my requests and did not provide a clear payment plan. I also removed my bank account from their payment system through XXXX to prevent unauthorized withdrawals. It has been over two months since my last payment, and XXXX XXXX has not charged my bank account, likely due to the removed payment method. However, they continue to threaten reporting to credit bureaus and collections. 

I am willing to pay but only if XXXX XXXX provides a written payment plan and stops unfair late fees. Their lack of communication and contradictory statements have caused me confusion and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
A XXXX XXXX XXXX credit card account was fraudulently opened in my name in XX/XX/year>. I discovered this unauthorized account that same month while reviewing my credit report. I did not open this account, authorize its use, or benefit in any way from the {$600.00} in charges. I am now being improperly contacted by LVNV Funding and XXXX XXXX in connection to this debt, which is entirely the result of identity theft. 
Fraudulent Account Details : - Creditor : Capital XXXX ( XXXX account ) - Date Opened : XX/XX/year> - Date Discovered : XX/XX/year> - Amount Charged : {$600.00} - FTC Identity Theft Report Number : XXXX Supporting Documents Included : XXXX. Government-issued photo ID and proof of address XXXX. FTC XXXXdentity Theft Report ( attached ) 3. Signed Statement of Non-Involvement affirming I had no part in the account 's creation or use In accordance with 15 U.S.C. 1681c-2, I formally request that : - The XXXX XXXX XXXX account and all related information be blocked from my credit file, - You cease reporting this account to any third parties, - You notify any entities that received my report in the last 12 months of the correction,- And you act within XXXX ( XXXX ) business days of receiving this request and documentation, as required by law. 

Please confirm in writing once the block has been applied, or contact me directly if additional information is required. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
The inquiry was supposed to be a soft pull for pre - approval promotion for a credit builder card that was a secured second chance card, I was denied. XXXX XXXX. XXXX XXXX I'm trying to establish credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MD

Complaint narrative:
XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX$41000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX {$1000.00} 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C 1681i ) to dispute inacurate information appearing on my credit report maintained by your agency. My consumer report includes an address that is inacurate and not associated with me in any way.

The address is erroneous, and it's inclusion on my credit file constitutes a violation if my rights under the FCRA. As you are required by law to maintain maximum possible acuracy in the information you report ( 15 1681e ( b ) I request an immediate reinvestigation and removal of the inacurate address on file. Please find along with this dispute documentation verifying my correct and current home address.

In accordance with 15 U.S.C 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation failure to comply with these requirements may constitute a willful noncompliance with the FCRA and subject your agency for damages under 15 U.S.C 1681n or 1681o as applicable.

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 2025-07-20 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: NY

Complaint narrative:
On XX/XX/year>. I logged a dispute with Experian through their online dispute portal. Requesting a thorough investigation into the validity and accuracy of an alleged collection account inaccurately reporting and damaging my credit. A debt buyer " XXXX XXXX XXXX '' reporting an alleged debt by the original creditor XXXX XXXX XXXX XXXX I am attaching the letters i sent to the alleged original creditor " XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and Experian '' I clearly requested the documentation that I am legally entitled to in order to verify this debt and received nothing. Experian clearly did not conduct a meaningful or legally sufficient investigation as required by both federal and New York law. Violations Committed by Experian : FCRA 611 ( a ) ( 1 ) ( A ) : Credit bureaus must conduct a reasonable reinvestigation of any information disputed by the consumer FCRA 611 ( a ) ( 6 ) : They must notify the consumer of the results within 5 business days of completing the reinvestigation. FCRA 607 ( b ) : Requires that bureaus maintain maximum possible accuracy of data on consumers. FCRA 616 & 617 : Willful or negligent violations entitle you to actual damages, statutory damages ( up to {$1000.00} ), and legal costs. Experian 's blanket response that Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' Is a clear disregard of my FCRA rights. Furthermore, you did not provide any documentation from the reporting creditor substantiating the accounts accuracyincluding the original credit agreement, charge-off statement, or proof of assignment. You also failed to evaluate compliance with Metro 2 Format standards required for credit reporting accuracy. Experian neglected to : Conduct a proper reinvestigation, provide results of your findings, Determine or disclose that my dispute was frivolous or Update, correct, or delete the disputed data. Experian now in willful violation of federal and New York State law. Pursuant to FCRA 616 and 617, I am entitled to statutory damages of {$1000.00} plus costs. I hereby demand : Immediate removal or modification of the disputed tradeline, A written update of my credit file and a check payable to XXXX XXXX in the amount of {$1000.00} for statutory damages. You have 14 days from the date of this letter to comply. This is not another disputeit is a demand for legal remedy due to your failure to fulfill a previous dispute under law.

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