vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX Ally to repossession of vehicle located at XXXX XXXX XXXX XXXX NY do to past due balance that was never supposed to be on under UCC and TiLa code making fraud and a illegal repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred money through Bank of America 's portal, payment and invoicing section. They removed {$10000.00} my money from my account and supposedly sent it to their vendor list Recipient XXXX XXXX and XXXX. With my authorization. The receiving bank never received the funds. This transaction was done on XX/XX/year>. Since then no one can account for the money. I have contacted both banks with no resolve. Bank of America has not been able to confirm that California bank ever received the funds. 
I have been out of my payment for 45 days and interest maybe occurring on the receiving end. I spoke to the supervisors at BofA. They said They do not have anyway to find out that any money received. I have asked for a confirmation #, Their answer is they have no way to know that. They send it through XXXX XXXX company. I have no knowledge of where the money was lost.

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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent a certified letter dated XXXX XXXX XXXX, to LVNV requesting validation of the debt, under penalty of perjury, and to address the following XXXX XXXX items : 1. Please furnish a notarized and certified copy of the original contract redacting social security number to prevent identify theft and state under penalty of perjury that you are the HOLDER IN DUE COURSE of the alleged note/contract for my own and a judges inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement, signed under penalty of perjury, showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify, under penalty of perjury, by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of alleged debt and are proceeding with collection activity only in the name of the original contracting party.

5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide ( a ) : copy of the certified and notarized contract made between LVNV Funding LLC and any of the previous alleged holder ( s ) in due course of the alleged, original contract, validation, signed under penalty of perjury, from the stated creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that you are under contract with them and authorized to act for them and forward a certified and notarized copy of the licenses and Bar Card Numbers of any and all Attorneys involved in this fraudulent action to operate in Texas ; ( b ) contact information of your hazard/insurance bond holder to allow me to place a lien against those funds until a court hearing.

7. Please verify, under penalty of perjury, that if you fail to validate the alleged debt in thirty ( 30 ) days and continue your fraudulent actions pertaining to this alleged {$1.00}, XXXX debt you agree to pay to me, by bank check, the amount of {$10000.00}. 

8. Please verify, under penalty of perjury, that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing that you know is false with the intention that others rely on the written communication to the detriment of the name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute a 60-day late payment reported by Capital One on my Kohls-branded credit card. This delinquency is not reflective of my payment behavior and resulted from communication errors on Capital Ones part. I am requesting a thorough and expedited review and removal of this derogatory item. 

In early XXXX, Capital One mailed a notice about changes to Kohls accounts, but it was sent to a very outdated address. I was never notified via email or online account alerts. As a result, I continued submitting payments via online banking to the prior account, unaware that my account had changed or that a balance had accrued. 

I only became aware of the issue upon receiving a credit bureau delinquency alert. Upon contacting Capital One, I learned that the outdated address was still in their system. I have since updated my information and made multiple documented attempts to resolve the issue. While Capital One issued a past due fee waiver, they have refused to provide written confirmation that the reporting was due to their communication failure. 

As of XX/XX/XXXX, I have paid the account in full. Capital One should have internal records or call logs that document my repeated efforts to resolve this and confirm that I acted in good faith. I am now in the process of purchasing a home, and this one incorrect item is jeopardizing that process.

I respectfully request an urgent investigation and removal of this late payment from my credit report. I have attached all supporting documentation available and am happy to provide further details if needed. 

Thank you for your immediate attention. 

XXXX XXXX DOB : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX Current Phone : ( XXXX ) XXXX Email : XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: DC

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: EdFinancial Services
State: FL

Complaint narrative:
In XX/XX/year>, I filed a dispute regarding a 90119 day late payment reported by EdFinancial from XX/XX/year>. The dispute was resolved in my favor, and the delinquency was removed from my credit reports. 

However, as of XX/XX/year>, both XXXX XXXX XXXX  are once again showing the exact same late markeven though my account is in good standing. I have a {$0.00} balance due and made a {$140.00} payment on XX/XX/year>. 

EdFinancial appears to have re-reported inaccurate data, causing my credit score to drop significantly after it was already corrected. This is the second time Ive had to deal with the same mistake.

I have reached out to EdFinancial again and uploaded full documentation showing my account is current. I am requesting that the CFPB investigate and require the servicer to permanently remove this derogatory information from my credit files.

I have attached a formal dispute letter and supporting screenshots with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX I went to the Wells Fargo on XXXX XXXX XXXX and deposited some money after I left a man walked up to the ATM and at XXXXXXXX XXXX he cloned my card and withdrew {$1000.00}. The business in front got it all on video and when I filed a claim with Wells Fargo, they told me there wasnt enough evidence to give me my money back.

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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: CO

Complaint narrative:
I am not aware of any debt associated with Spring Oaks Capital LLC ( Account # XXXX ). I was not given the opportunity to dispute this account. If proper notification was sent, please provide proof via certified mail with a signed receipt. If that can not be provided, I request that this account be deleted from my credit report immediately. If not resolved, I will consider taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 Electronic Fund Transfer Act ( 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 2025-06-14 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: NJ

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and 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 2025-06-14 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 US C. 1681, section 602. It states I have the right to privacy. 15 US C. 1681, section 604 ( a ), section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: AL

Complaint narrative:
XXXX XXXX is reporting two separate tradelines for what appears to be the same auto loan. This has inflated my overall debt by over {$7000.00} and is damaging my credit score. I believe one of these is a duplicate account, and neither tradeline reflects the actual repossession process or a valid explanation of the balance. 

Additionally, XXXX has been reporting one of these accounts as a charge-off continuously from XX/XX/XXXX through XX/XX/XXXX, which does not align with my actual payment history or the date the vehicle was repossessed. 

I requested validation and proper documentation for this account, but never received : A Notice of Intent to Sell A Post-Sale Explanation of Proceeds A full accounting of the remaining balance Documentation of any resale attempts or dates This is a violation of UCC 9-610 and FCRA reporting guidelines. This account is harming my ability to obtain stable housing and transportation.

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