vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The item ( s ) in question are related to student loan accounts originally held by DEPT OF ED/XXXX, which were subsequently consolidated and paid in full. While the consolidated loan account has been accurately reported as paid in full with no late payments, there are eight ( 8 ) separate trade lines from the same servicer appearing on 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Last year I was financially compromised and had to change my bank accounts, credit cards, phone number and email address. 

Kohls/Capital One is the ONLY vendor that I am still having problems with. I don't have a replacement card because they " can't verify '' my phone number. One of many phone calls with an account supervisor included identity verification with other information, including my driver 's license, SSN and selfie.

And yet when I called today to follow up on the replacement card I was told YET AGAIN that my phone number can't be verified, so they can't replace my card. They honestly expect me to get my mobile phone carrier involved- I did make one attempt to do that but it went nowhere.

I feel like I am in the twilight zone here. Does Kohls/Capital One want my business or not? It's even worse because there's no storefront where I can present myself with whatever ID they require and get the whole mess resolved. 

( I am not able to put an account number on this complaint, as the existing card was cancelled. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Continental Finance Company XXXX. XXXX XXXX XXXX, DE XXXX Subject : Formal Dispute and Demand for Immediate Deletion of Account Reporting Under FCRA Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the continued reporting of the above-referenced account by Continental Finance Company ( XXXX ). Based on your own records, the account was charged off on XX/XX/XXXX, with an outstanding balance of {$1200.00}, and subsequently sold to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. You further stated that collection efforts ceased upon sale and there was no further financial obligation on the account serviced by XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report only accurate and complete data to consumer reporting agencies. Since you no longer own the debt and confirmed cessation of collection activity, any continued reporting of this account under your name is false, misleading, and in violation of federal law.

Furthermore, the investigation documents provided in response to prior disputes do not contain a valid, original handwritten signature, which calls into question the legitimacy and validity of the evidence provided. Under FCRA standards, an investigation must result in verifiable documentation supporting the accuracy of the reported data. In the absence of a signed, original agreement or supporting legal documentation, you have failed to meet the burden of proof required to continue reporting this account.

As such, I am demanding the immediate deletion of any and all information related to this account from any and all consumer reporting agencies to which it has been furnished. This includes removal of the tradeline, charge-off status, balance, and payment history. I am not requesting a correctionI am demanding full removal, as you no longer have any legal interest in the account and have not provided adequate documentation to justify continued reporting.

Please note that failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as consideration of legal action for willful noncompliance with the FCRA. 

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer services and unfair practices which violates CFPA. Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3900.00} AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$470.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6000.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding this alleged debt. Despite my repeated attempts to obtain validation of this debt, Portfolio Recovery Assoc. has failed to respond to my debt validation request dated XX/XX/year>2025 Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to receive proper validation of any claimed debt upon request. I sent a formal debt validation letter on XX/XX/year>2025, asking for verification and substantiation of the alleged debt. To date, I have not received any response or evidence to confirm the validity of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 1. XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
So far since XX/XX/year>2025, XXXX XXXX has call me 9 times and more previously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have included in the attachments a ltter i made from my computer after countless hours of reaserching i have send these letters to the bureuas last week on XX/XX/XXXX.. 

they refuse to help me these are the accounts that wre not and do not beling to me.. 
these people keep telling me u folks would fix it .. the creditors and the bureuas this is like a loop game of ball and catch this is annoying i deamd u help me get this stupid fraud things out of my credit report this is not me never was me!! 
I WAS AFFECTED by some XXXX data breach thing that i googled after XXXX some stuff for weeks on END AND MY NAME COMES UP IN A DATA BREACH FROM XXXX SEE ATTACHED DOCUEMTNS THISIS STUPID I NEED UR HELP CFPB remove these from y credit repor this is dum see attached lttters it took me 3-4 months to learn all this i have mfinally made big letter and they wont help me! after sending it! ... to them just ignore me and play games with my XXXX time!....!!!! 

-XXXX they are repeated 2wice TWICE ON MY REPORT!! XXXX XXXX XXXX AMERICAN EXPRESS XXXX AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MT

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MT

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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/year>2025, I visited the branch to unlock my account, following the instructions from customer service that it was being held due to fraud and that I needed to present ID in person. On XX/XX/XXXX, at the branch located at XXXX XXXX XXXX XXXX, I spoke with XXXX, who informed me that despite presenting my passport and ID as proof of identity, I could not access my account because I lacked my physical Social Security card. I explained that I knew my Social Security number ; however, she insisted that this was insufficient. XXXX advised me that, given I had {$4000.00} in the account, I did not need to worry about it being closed, but I was unable to access any of the funds until I provided my Social Security card. I promptly requested a replacement card from the Social Security Administration. 

Afterward, I visited the branch at XXXX XXXX XXXX, XXXX, where I spoke with a representative named XXXX. She informed me that my account had been closed and that she could not provide details about my funds or their status. She contacted the fraud department, which stated that they would reach out to me about the funds. 

That same day, I called TD Bank customer service and filed a formal complaint. Later, XXXX contacted me and instructed me to visit the XXXX XXXX XXXX branch to receive my funds in cash. Upon my arrival on XX/XX/year>2025, I was informed that my funds were not available at that location, and they could not provide me with access to my account. Their only task was to verify my proof of address, which I provided. I was told that someone from the back office would reach out to me on Monday, but I received no communication. 

On Tuesday, not having heard back, I called customer service again. XXXX, a TD Bank representative, informed me that he was overseeing my account. He could not explain why I had not received a paper check or why my funds were still being withheld, despite the account being closed two weeks priorthis is clearly against protocol. He promised to call me back on XX/XX/XXXX with an update regarding my funds, but that phone call never happened. 

Today, XX/XX/XXXX, I called back again, yet I still have not received any response. My funds remain withheld. This ongoing situation is causing me significant XXXX  and financial XXXX, which I have communicated repeatedly to TD Bank representatives, both in branches and over the phone. It is unacceptable that there has been no progress or resolution to my issue. I expect immediate action to regain access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2025-04-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX XXXXe ) for deceptive and misleading reporting.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In early XX/XX/XXXX, I discovered that my federal student loan had been transferred to Nelnet without any prior notice to my address or email. I did not receive any communication about the transfer or upcoming due dates. As a result of this lack of notification, I unknowingly missed payments and now have XXXX late payment marks on my credit report forXX/XX/XXXX. 

I did not intentionally default or ignore repaymentthis was purely due to a servicing communication failure. I am now taking steps to dispute this with the credit bureaus and Nelnet. I am filing this report because this incident has negatively impacted my credit and I believe it could affect others if not addressed.

Company response to consumer: Closed with explanation