vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been renting from XXXX under their XXXX XXXX program a month-to-month recurring lease typically structured as an XXXX agreement. This is my third time doing it. 

Reservation Details : Reservation Number : XXXX Pickup : Tuesday, XX/XX/XXXX, XXXX XXXX Drop-off : Monday, XX/XX/XXXX, XXXXXXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX Estimated Total : {$10000.00} What Happened : I had been driving an XXXX XXXX for a long time under my monthly mini lease agreements with XXXX. While the XX/XX/XXXX contract renewal does not explicitly list the XXXX, it was the same vehicle I had already been using continuously in the prior months under this same rental structure, always at the standard monthly rate of {$1000.00}. 

Later, XXXX contacted me saying that the vehicle had a recall, and I should return it. I went to another XXXX location, where they told me there was no recall. Still, to comply, I swapped the vehicle at that location. 

Shortly after that, the original location ( XXXX ) contacted me and said I now had an upgraded SUV and would be charged extra unless I downgraded. I went the very next day and downgraded the vehicle, as instructed. 

Despite complying fully and never requesting any upgrade, XXXX charged me {$4000.00}, treating the temporary vehicle as an unauthorized upgrade. 

I called XXXX, and a representative confirmed on a recorded call that I could dispute the charge with my credit card clearly showing they understood the situation. I filed a dispute with Capital One, but they refused to reverse it. 

Why Im Filing : I never requested an upgraded XXXX. 

I had already been driving the XXXX XXXX as part of my ongoing rental and was paying the standard monthly rate. 

I complied with XXXX instructions and downgraded the vehicle immediately. 

XXXX ' own representative acknowledged the issue and told me to dispute it which I did. 

I now need the CFPBs help to resolve the improper charge. 

Amount disputed : {$4000.00} Rental Company : XXXX Car Rental Credit Card : Capital One Reservation # : XXXX Rental Location : XXXX XXXX XXXX Garage ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: UPGRADE, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to the bureaus by UPLIFTXXXX XXXX  . Upon reviewing my credit report, I have identified a critical error involving what appear to be duplicate accounts because I was charged double. The balance is exactly the same on this account but it went up since last month even if the original loan was paid off. I have attached the proof of full payment made. 

As such, these accounts should be removed entirely as they are erroneously duplicated. 

UPLIFT/XXXX XXXX  , as a furnisher of information, is prohibited from reporting information that is known to be inaccurate or that they have reasonable cause to believe is inaccurate. 

This account made so many errors and found to be inaccurate or incomplete, promptly correct or delete it. 

I am requesting immediate investigation and correction of these inaccuracies. Failure to take appropriate corrective action could result in the filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Please confirm in writing once the accounts have been corrected or removed from my credit report. I appreciate your prompt attention to this matter. 

UPLIFTXXXX XXXX XXXX Date opened XX/XX/scrub> 2025 Balance {$0.00} UPLIFT/XXXX XXXX XXXXXXXX Date opened XXXX XXXX, 2025 Balance {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LNVN FUNDING HAS GOTTEN XXXXXXXX XXXX XXXX TO CONTACT ME EVEN THOUGH THEY HAVE NOT VERIFIED THE DEBT OWED, They have not sent any proof that I owed any debt. They deleted the collection and now attempting to collect again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX continues to report a fraudulent account despite receiving a police report and an FTC Identity Theft Report. This is a direct violation of FCRA XXXX, which mandates that such accounts be blocked from reports within XXXX business days.

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 2025-05-13 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: WA

Complaint narrative:
Well about a year ago In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681s 2 ( a ) 20 usc 1083 ( e ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year>2013 under the account number XXXXXXXX XXXX XXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and/or information reporting on my credir report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and/or information reporting on my credir report. These remarks have been detrimental to my life and my credit health.

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 2025-05-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
XXXX XXXX XXXX * * * * Amount : {$680.00} Date Opened : XX/XX/XXXX XXXX Youre reporting an account that does not belong to me. Im requesting a XXXX day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in XXXX days if not please remove from credit report. * Please show the original contract with my signature that shows I owe this debt. * I need to see the assignment contract between you and the original creditor. * Proof that this debt is within the statute of limitations in the state of Pennsylvania. * Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. Thank you Ill be looking to hear back in XXXX days, if not please remove this unknown account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
XXXX XXXX XXXX * * * * Amount : {$680.00} Date Opened : XX/XX/XXXX XXXX Youre reporting an account that does not belong to me. Im requesting a XXXX day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in XXXX days if not please remove from credit report. * Please show the original contract with my signature that shows I owe this debt. * I need to see the assignment contract between you and the original creditor. * Proof that this debt is within the statute of limitations in the state of Pennsylvania. * Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. Thank you Ill be looking to hear back in XXXX days, if not please remove this unknown account from my credit report.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Imagine waking up to find debts tied to your name that youve never seen or heard of beforethen getting bombarded with messages and threats as if you're guilty of something. Thats what Im dealing with. These collection accounts are not mine, were never verified, and the harassment Ive received over it is exhausting and unacceptable. Ive done everything right, yet Im being treated unfairly, and its affecting both my mental health and my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
My problem with experian is i can not create an account on the website or mobile app. 
i enter the two entries they ask for and redirected to an error page.

" Oops, were sorry we are having technical difficulties and actively work on fixing the issue, Please try again later. '' this has been over a month of attempts with no fix.

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im having issues with TransUnion reporting these negative reports on the behalf of XXXX XXXX XXXX XXXX and other companies where Im getting denied of my credit worthiness. It has been brought to my attention on how my rights are being violated and when I reach out being told they will investigate for them to come with it been verified without proper investigation verifying besides what they are being told

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 2025-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MD

Complaint narrative:
I made A Purchase on XXXX XXXX,2025 I never received my product Ive Contacted The company that Was supposed to send my product but no response,. 

Ive contacted Cash app multiple times Even called to complaint & FILE A DISPUTE OVER 7times Within 60 days And was denied my dispute even after proof that i have received any update or anything this the second time this happen to me Where i been scammed out of my money through cash app with no one to talk to only through email i just wanted my money back! 

The company changed they website i cant even See nor click on!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern : I dont agree with the bankruptcy which still appear on my credit report, even after your investigation. I would like this account re-investigated. This inaccuracy is highly prejudicial to my credit rating. 

Furthermore, according to the Fair Credit Reporting Act, Public law XXXX, Title VI, Section XXXX, Subsection A-D, please provide the names and business address of everyone with whom you verified the accounts in question, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections.

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 2025-05-13 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: TN

Complaint narrative:
To Whom It May Concern : I dont agree with the bankruptcy which still appear on my credit report, even after your investigation. I would like this account re-investigated. This inaccuracy is highly prejudicial to my credit rating. 

Furthermore, according to the Fair Credit Reporting Act, Public law XXXX, Title VI, Section XXXX, Subsection A-D, please provide the names and business address of everyone with whom you verified the accounts in question, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint to dispute a student loan account being reported on my credit file that I do not recognize, do not owe, or believe is being reported inaccurately. Deptednelnet Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. The furnisher of this student loan account has failed to meet their obligations under this law by continuing to report the account without proper verification or accurate details.

Additionally, if this account has entered default or collections, the servicer or collector may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, for failing to provide me with proper notice and debt validation.

Specific violations include : No proof of a signed promissory note or original loan agreement No detailed payment history or balance breakdown No record that this debt is legally enforceable or within the statute of limitations Potential identity theft or misattribution if this loan is not mine I am requesting that the CFPB investigate this account and require the data furnisher and any related parties to either provide complete validation and legal proof of this debt or remove it entirely from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ).

If this XXXX XXXX can not be validated in full accordance with the FCRA and FDCPA, it must be permanently deleted from my credit file. There are incorrect latepayments that are hurting my score tremendously.

Thank you for your assistance in resolving this matter promptly and protecting my rights under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
XXXXXXXX XXXX HAS GOTTEN HYAT LAWYER OFFICE TO CONTACT ME EVEN THOUGH THEY HAVE NOT VERIFIED THE DEBT OWED, They have not sent any proof that I owed any debt. They deleted the collection and now attempting to collect again

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation