vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that O was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy. This account XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Company reported that account was paid in full in settlement. Company waived the last payment so there should not be a settlement there when I didnt agree with them to waive the last payment. I want them to update the report on all three bureaus stating that it is paid in full not in settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: OneMain Finance Corporation
State: WI

Complaint narrative:
In XX/XX/year>, I discovered that someone attempted to open a personal loan with OneMain Financial using my identity without my consent. The application was submitted around XX/XX/year>, but thankfully the loan was denied. I did not apply for this loan, authorize anyone to do so, or benefit from it in any way. This is a case of identity theft and I am taking steps to protect my credit. I have filed a fraud report with the FTC and I am requesting that this attempted loan not be used against me or appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has continued to report derogatory account information on my credit report related to an account that was charged off. Despite the charge-off, they have continued to update the status of this account in a way that negatively impacts my credit score - this includes new activity and balance updates long after the account was closed XXXX XXXX and charged off. Furthermore, Capital One is reporting that I owe { {$2400.00} } on a credit card that had a maximum limit of { {$2000.00} }. This suggests that either predatory overcharging, illegal fees, or outright inaccurate reporting. Under the FCRA, furnishers of credit data are required to report only complete and accurate information. Reporting a balance higher that of the maximum credit limit is clear evidence of inaccuracy. What Capital One is doing may be illegal due to the following reasons : 1. Re-aging or updating a Derogatory/charged-off account to make it appear active, which can unfairly extend the statute of limitations and the reporting period. 2. Reporting a balance that exceeds the account 's credit limit, which is not only inaccurate but suggests deceptive practices. 3. Continuing to furnish disputed information to the credit bureaus without resolving the dispute or verifying the data, which violates FCRA Section 623. I have submitted multiple disputes under the Fair Credit Reporting Act ( FCRA ), yet the data remains inaccurate and unverified. The furnisher has failed to comply with : FCRA 1681i ( a ) ( 1 ) ( A ) by not properly reinvestigating the disputed data within the statutory period ; FCRA 1681s-2 ( b ) ( 1 ) ( A ) - ( D ) by failing to conduct a reasonable investigation, review all relevant information, and delete information found to be inaccurate ; FCRA 1681e ( b ) by failing to establish and follow reasonable procedure

s to ensure the maximum possible accuracy of the information reported ; FCRA 1681s-2 ( a ) ( 1 ) ( A ) by continuing to report disputed information without proper verification or notification of dispute status ; FCRA 1681g and 1681h by failing to provide requested disclosures, contracts, and original documentation validating the debt. The creditor has not provided a signed agreement, detailed billing records, or verified evidence supporting the accuracy of the derogatory data. The continued reporting despite lack of substantiation constitutes willful and negligent noncompliance, which may trigger civil liability under FCRA 1681n and 1681o. I respectfully request that the CFPB investigate this matter and assist in having this derogatory mark removed from my credit repo
rt. This should not have occurred, and Capital One lack of communication and accountability must be addressed. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Silverman Theologou, LLP
State: PA

Complaint narrative:
FDCPA Complaint Silverman Theologou , LLP Subject : Formal Complaint Against Silverman Theologou , LLP for FDCPA Violations ( Debt Collection Abuse ) Date : XX/XX/2025 Dear CFPB/FTC, I am filing this complaint against the law firm Silverman Theologou , LLP, who claim to be representing XXXX XXXX XXXX XXXX in a debt collection lawsuit currently pending in Magisterial District Court in Pennsylvania. 

The amount they are attempting to collect is approximately {$8600.00}, but I have serious concerns about the legality and fairness of their collection practices, specifically their violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violations I Am Reporting : 1. Failure to Provide Debt Validation Notice ( 15 U.S.C. 1692g ( a ) ) Silverman Theologou , LLP never sent me any written notice after their first contact. Instead, the first time I became aware of their involvement was when I received a civil complaint in the mail. They did not notify me in writing of : - The amount of the debt - The name of the original creditor ( XXXX XXXX ) - My right to dispute the debt within 30 days - My right to request verification of the debt This deprives me of the basic right to challenge or validate the debt before being sued. 

XXXX. Misrepresentation of Legal Rights Silverman Theologou misrepresented the legitimacy and enforceability of the debt. As far as I am aware, XXXX XXXX charged off the debt, as I accurately disputed the accuracy of owning this debt and I have not received any proof that they lawfully retained collection rights. This omission constitutes misleading representation of the debt 's enforceability. 

XXXX. Filing a Lawsuit Without Lawful Standing They initiated a lawsuit without : - Providing debt validation to me- Presenting any evidence of a signed loan agreement - Demonstrating legal standing ( proof of ownership or assignment of debt ) This creates the appearance of abuse of process and bad-faith litigation to intimidate me into paying a debt I may not owe.

Desired Outcome : I respectfully request the CFPB and/or FTC to : - Investigate Silverman Theologou , LLP for the above FDCPA violations- Enforce accountability for abusive legal tactics and consumer deception - Require withdrawal of the lawsuit until proper validation is provided - Help ensure this alleged debt is not reported or collected without compliance with the law Thank you for your time and assistance in helping protect consumers like myself from predatory debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was banking with navy federal and XX/XX/year> I was scammed by a fake loan company. They deposited a fake check and somehow blackmailed me into cash apping them they put the money into my bank account and disputed it which left my account in negative XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: VA

Complaint narrative:
They then told me cash app don't exist on desktop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 NEVER GAVE ANY OF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO MY PERSONAL INFORMATION OR TO ADD ANYTHING ON TO MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON TO MY CREDIT REPORTS MUST RECEIVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. LASTLY ILL BE INVOKING FERPA WHICH IS A FEDERAL LAW ENACTED IN 1974 THAT PROTECTS THE PRIVACY OF STUDENT EDUCATION RECORDS. FERPA APPLIES TO ANY PUBLIC OR PRIVATE ELEMENTARY, SECONDARY, OR POST SECONDARY SCHOOL. 20 USC 1232g ( b ). BASED UPON THE LAWS THAT I HAVE CITED IT IS CLEAR THAT THE CREDIT REPORTING AGENCIES HAVE VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT CORRECT THESE ERRORS I WILL BE TAKING LEGAL AND CIVIL ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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 NEVER GAVE ANY OF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO MY PERSONAL INFORMATION OR TO ADD ANYTHING ON TO MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON TO MY CREDIT REPORTS MUST RECEIVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. LASTLY ILL BE INVOKING FERPA WHICH IS A FEDERAL LAW ENACTED IN 1974 THAT PROTECTS THE PRIVACY OF STUDENT EDUCATION RECORDS. FERPA APPLIES TO ANY PUBLIC OR PRIVATE ELEMENTARY, SECONDARY, OR POST SECONDARY SCHOOL. 20 USC 1232g ( b ). BASED UPON THE LAWS THAT I HAVE CITED IT IS CLEAR THAT THE CREDIT REPORTING AGENCIES HAVE VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT CORRECT THESE ERRORS I WILL BE TAKING LEGAL AND CIVIL ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding XXXXXXXX XXXX XXXX XXXX. Reporting inaccurate information on my credit repot, this is reflecting incorrect details.

I have contacted the company directly, but they have failed to correct or validate the information within the time required by the Fair Credit Reporting Act ( FCRA ). Due to these inaccuracies and their failure to resolve the dispute, I am requesting that the account be completely closed and deleted from all credit bureaus reports ( XXXX, XXXX, and XXXX  ) immediately. 

This inaccurate reporting is harming my credit profile and causing financial distress. I am also requesting an investigation by the CFPB into this companys failure to comply with the FCRA, specifically Section 611, which grants me the right to dispute inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint against Credit Collection Services and XXXX XXXX XXXX XXXX, regarding a debt collection attempt for an account I have no knowledge of or legal obligation to. On XX/XX/year>, I received an unsolicited text message from Credit Collection Services stating that I have a past-due account related to XXXX  XXXX XXXX XXXX , referencing File # XXXX. 

Let me be clear : I have never done business with XXXX XXXX XXXX XXXX. 
I have never applied for insurance, services, or credit from this company. 
I have never signed any agreement or document binding me to any financial obligation to them. 
I have never received any prior notices, invoices, or validation of any such debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to written validation of the alleged debt, including : The amount of the debt The name of the original creditor A copy of any contract or documentation bearing my signature Proof that I authorized the transaction The date the alleged debt was incurred Further, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I demand an immediate investigation and the removal of any and all accounts, inquiries, or remarks related to XXXX XXXX XXXX XXXX or Credit Collection Services from all of my credit reports ( XXXX, XXXX, and XXXX  ), if they have been reported. 

Additionally, contacting me via text without my consent is a potential violation of the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, especially if automated dialing technology was used. 

If this debt has been mistakenly attributed to me, I demand its immediate correction, closure, and removal. If this is a case of identity theft or fraudulent use of my information, I request an immediate freeze and investigation, and I will be filing a police report accordingly. 

If this account or any related inquiry appears on any of my credit reports, this represents a direct violation of my rights under the FCRA and could result in civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

I hereby demand the following : Full documentation of the debt, including signed agreements, account history, and origination details. 
Cessation of all collection activity until verification is provided.

Immediate removal of any reporting to credit bureaus.

A written confirmation that my personal data will not be further used, sold, or shared without my consent. 
If this issue is not resolved promptly and to my satisfaction, I will be forced to take legal action, including but not limited to : Filing complaints with the FTC, State Attorney General, and XXXX XXXX XXXX Pursuing legal remedies in accordance with FDCPA, FCRA, and TCPA violations Seeking compensatory and punitive damages Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
XXXX XXXX XXXX Md XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Equifax , I am writing to formally dispute inaccurate information on my Equifax credit report. The following information does not belong to me and appears to be reported in error : Creditor Name : [ XXXX XXXX XXXX This account shows an Hard Inquiry under my file, but I have never had an account with this creditor, and this appears to belong to someone else. 

This information is negatively affecting my credit and is not related to any account I have ever opened. I request that Equifax investigate this matter and remove this incorrect information from my credit report as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
I am requesting the removal of multiple closed accounts that remain on my credit report. These accounts are no longer active and either were paid in full, included in bankruptcy, or closed several years ago. They are not reflective of my current credit status and are negatively impacting my score. 

I contacted the credit bureaus and asked for these accounts to be removed under the Fair Credit Reporting Act ( FCRA ), but they failed to take corrective action. Some of these accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting that these outdated, closed accounts be removed or suppressed from my credit profile.

Company response to consumer: Closed with explanation