vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
Account name : XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from 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 2025-11-23 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: WA

Complaint narrative:
I have 3 cards with Capital One : XXXX, XXXX, and XXXX. I have problems with all. For XXXX, Capital One refuses to acknowledge a car rental dispute I was forced into is an unfair charge. It appears they are only taking the side of the car rental counter. I have told Capital One multiple times there is no proof I received the car I booked. The charge is not valid. I was forced into renting an " upgrade. '' Capital One has received NO documentation stating I received the car I booked. This charge should be permanently credited ( budget ). For card XXXX, I was told I would NOT be charged a membership fee, yet it showed up on my account XXXX XXXX, 2025. There are recorded calls where it was confirmed I would not be charged this fee, ever, " due to being a valued customer. '' If Capital One would like to contest this, I can provide a list of all calls and durations to Capital One and will be asking for copies of every call. Finally, for card XXXX, there is a {$180.00} charge from XXXX Capital One is refusing to contest because it is past 90 days. However, THIS CHARGE WAS ALREADY CONTESTED PAST 90 DAYS and Capital One is refusing to do their due diligence. This charge is not valid as the product I received was broken and XXXX is not honoring their warranty or return policy. Again, I have proof of this, which Capital One seems to not want to acknowledge. I will mention I can not spend 3 hours on the phone talking to foreigners who barely speak English at least once a week to fix these problems. DO NOT SEND ME PHYSICAL MAIL IT IS WRITTEN HERE AS WELL AS DIRECTLY IN MY ADDRESS. RESPOND ELECTRONICALLY ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LCI Acquisition Inc.
State: FL

Complaint narrative:
XXXXBankruptcy XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX social security : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NCB Management Services Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash app would not refund my money cause I sent it to the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
Account name : XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from 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 non-monetary relief
Consumer complaint received 2025-11-23 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:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
Account name : XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
CEASE AND DESIST LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XXXX XXXX 2025 LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Demand / Alleged Accounts XXXX  XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as my formal Cease and Desist demand regarding any and all communication attempts related to the above-referenced alleged accounts. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me concerning these alleged debts, except as specifically permitted by law ( such as providing notice of termination of collection efforts or notice of specific legal action ). 

Please note : 1. I dispute the validity of these alleged debts. 
2. You must immediately stop all phone calls, letters, emails, texts, and other communication attempts. 
3. Any further communication must be limited to the legally allowed notices described above. 
4. You may not contact any third party, including my employer, family, or household members. 

Failure to comply with this notice will constitute a violation of the FDCPA and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois XXXX XXXX 

Please confirm in writing that you have received this Cease and Desist request and that all collection communications have been halted. 

Sincerely, ______________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PR XXXX Date of Birth : XX/XX/XXXX File Number : XXXX Date Created : XXXX2025 XXXX/2025 Subject : Formal Complaint Regarding Inaccurate Credit Reporting XXXX Card and PR XXXX Co To whom it may concern : I am submitting a formal complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccurate accounts reported on my TransUnion credit report. These inaccuracies are causing measurable harm and must be investigated. 
The disputed accounts are as follows : ________________________________________ XXXX. XXXX XXXX Account ending XXXX ( XXXX * * ) * * Errors and issues : XXXX. Incomplete monthly reporting : Most monthly entries for over four years show No Data for balances, payments, and past due amounts. Violates FCRA 1681e ( b ). 
7. Delinquency ratings without supporting amounts : Shows 30, 60, 90, 120 day late and repeated Charge Off without monthly balances or payment history. Not verifiable. 
XXXX. Nonstandard remark codes : XXXX and XXXX  are undefined, ambiguous, and unverifiable. 
XXXX. Continuous Charge Off without documentation : XX/XX/XXXXXXXX  2023 XXXX  2025XX/XX/XXXX shows Charge Off monthly without supporting evidence. 
Missing XXXX : No Date of First Delinquency 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 non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have prepared a dispute that has a complete record of the issue with my letters, the XXXX XXXX 's response, and the lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am requesting assistance regarding a late payment reported by Bank of America on an unused credit card that only had an annual fee charged. I did not receive any mailed or emailed notice that the annual fee was due, and I was unaware that a balance had been generated. The late payment resulted entirely from the XXXX XXXX, not from active use of the card. 

As soon as I became aware of the fee, I paid it immediately and closed the account. I requested a goodwill removal from Bank of America, but they stated they are unable to assist. This late payment has caused a significant drop in my XXXX XXXX ( XXXX points dropped ), and I am asking for the item to be removed because I did not receive proper notice of the fee and the delinquency was unintentional. 

I am requesting the CFPBs assistance in having Bank of America remove the late payment from all three credit bureaus, as the fee was unexpected, the card was not in use, and this situation was not due to misuse or neglect

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 2025-11-23 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: Mercury Financial Intermediate LLC
State: RI

Complaint narrative:
This complaint concerns XXXX Banks failure to comply with federal consumer-protection obligations and network chargeback rules when handling my earlier merchant-misrepresentation dispute related to XXXX XXXX. 

XXXX improperly denied my dispute based solely on the Regulation Z 60-day billing error window, despite the fact that my dispute was not filed as a Regulation Z billing-error claim. It was filed under Merchant Misrepresentation, governed by XXXX XXXX Rules, Dispute Condition 13.5a category not subject to Regulation Z timing restrictions. 

Regulation Z ( 12 CFR 1026.13 ) applies only to unauthorized use and specific billing errors. It does not preempt or override card-network merchant-misconduct rules. XXXX reliance on Regulation Z timing is therefore legally incorrect and constitutes a misapplication of federal law. 

The core basis of my dispute is merchant misconduct : I submitted self-exclusion requests on XX/XX/XXXX and XX/XX/XXXX. 
The merchant acknowledged receipt of these requests. 
The merchant failed to honor the exclusion, leaving the account open. 
The merchant continued sending targeted promotional inducements, after acknowledging the exclusion, specifically designed to prompt additional gambling deposits. 
These inducements directly produced the two disputed XX/XX/XXXX transactions. 

This conduct constitutes : Misrepresentation Deceptive inducement Failure to honor responsible-gaming obligations A violation of the merchants own stated terms Abuse of a known vulnerability These fall squarely within XXXX  Reason Code 13.5, which covers misrepresentation and deceptive practices. XXXX rules do not require an unused portion when the underlying dispute concerns merchant deception, violation of disclosed terms, or failure to honor a program obligation ( such as self-exclusion ). 

XXXX investigation was neither reasonable nor compliant with : XXXX XXXX Rules ( Dispute Management Guidelines ) CFPB requirements for a reasonable investigation The banks own duties under its issuer agreement with XXXX XXXX wholly failed to address : The self-exclusion documentation The merchants acknowledgment The failure to act on the exclusion The promotional inducements sent afterward The causal relationship between the misconduct and the transactions By ignoring all evidence and applying an irrelevant statute, XXXX failed to perform the investigation required under CFPB standards, violated card-network chargeback requirements, and deprived me of the dispute rights available under XXXX Rule 13.5.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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've been communicating with them for months 60 days to be exact this is identity theft I have called and wrote letters I have evidence that these accounts do not belong to me I have actual proof in writing that these accounts are mine and how they verified it with no response these accounts need to be removed immediately 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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
I have had the company Absolute resolutions buy old debt and I did not make an agreement with them for this debt, I do not owe this to this company. They have reported 5 year old debt as a recurring 30 day late causing my credit score to lose XXXX points. They are threatening legal action and I do not owe this debt to this company. I did not make any agreement with this company for credit and I therefore have no contractual obligation to pay this company. I want this to stop immediately.

Company response to consumer: Closed with explanation