vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This is the company providing fake documentation and fake information on my credit report. I never had a credit card with this company. Its called capital one I never did business with this company. Someone stole my identity and opened up this account. I never had business or relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX XXXX stating that my credit score dropped and was due to a delinquent account from XXXX. I was never given any notice of my student loans starting back up. This is in violation of 15 USC 1681s-2. As I was on the phone with XXXX I decided to create an account to investigate further into the matter. I saw that I owed an extreme amount of money on top of interest accrued. I eventually got hold of a representative and informed them of my issue. They told they sent me notifications to which I refuted that claim and told them the only message I received was from XXXX  XXXX stating that I had a delinquent account. After the representative placed me on hold and returned she informed me that they previously had an account for me, but my account was deleted due to an update on the website. I told them this was not my fault that they did not inform me of my account deletion nor did they attempt to reinstate my account after the website was updated. I requested a letter that I could show to my credit bureau that this was mishandling of information as well as negligence. I requested a letter to show to my credit bureau that this was mishandling of my information, negligent communication, and failure to give notice 30, 60, 90 day delinquency. I was denied. I requested for XXXX to reach out to my credit bureau ; they denied my request. I asked about Goodwill and was denied when the representative stated that " XXXX does not do goodwill ''. I was only offered forbearance as a last option -- I had no choice but to accept due to such sudden notice and lack of accountability on XXXXXXXX XXXX part. This has impacted my credit score severely and lead to a denial to be an account for a house on the market. On XX/XX/XXXX, I kept searching for the results of my Equifax dispute there was no PDF file or link to download explaining the results of my dispute. On XX/XX/XXXX, I had to contact Equifax today and go through an extensive process to verify my identity in order to receive an answer. I was told that my dispute was denied on the basis that I was in fact late on my payments. This is false due to the fact I was never notified and I never had an account with XXXX until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-05-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
I am reporting multiple fraudulent accounts and collections on my credit report that I did not open, authorize, or use. These accounts were reported by companies including XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX 
These accounts appeared on my credit report between late XXXX and early XXXX. I did not apply for or authorize any of these accounts. I believe my identity was stolen and used by an unknown party. 
As soon as I discovered the suspicious activity, I filed an identity theft report with the FTC at https : //identitytheft.gov, placed a fraud alert on all three major credit bureaus, and submitted disputes with Experian, Equifax, and TransUnion. Despite these efforts and multiple follow-ups, the credit bureaus have failed to remove the fraudulent items or provide any documentation verifying the legitimacy of the accounts. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to receive a response and proper investigation. I have not been provided with any signed contracts, applications, or IP address records showing I opened these accounts. I am demanding to know how these accounts were opened in my name, who opened them, and with what information. 
The credit bureaus failure to investigate and remove these fraudulent accounts is negligent and has caused ongoing harm to my credit profile and personal finances. I am requesting that the CFPB intervene to ensure : All fraudulent accounts and inquiries are removed from my credit reports. 
The credit bureaus provide any documentation they used to verify the accuracy of these accounts. 
All creditors furnish proof that I personally opened or authorized these accounts or they must be deleted immediately. 
I am prepared to provide my FTC Identity Theft Report, a copy of my ID, and proof of address. I am demanding full compliance with my rights under FCRA and prompt removal of all inaccurate and fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Bank of America. 

This account was closed by Bank of America in XX/XX/XXXX. I was subsequently contacted by a third-party collection agency and set up a payment plan. My first payment to this collection agency was made on XX/XX/XXXX. 

However, my XXXX  credit report falsely states that a last payment was received on XX/XX/XXXX, supposedly by Bank of America. This is inaccurate. I have not made any payments to Bank of America since the account was closed in XXXX. 

On XX/XX/XXXX, I received an email from Bank of America stating that XXXX would be servicing my account. I never received any communication from XXXX. On XX/XX/XXXX, Bank of America sent another email stating that XXXX XXXX XXXX XXXX XXXX would now be servicing the account. 

I did receive communication from XXXX XXXX XXXX, and they are the collection agency with whom I arranged my payment plan. I have made payments through their portal, which currently reflects a {$0.00} balance. However, as of XX/XX/XXXX, XXXX XXXX XXXX representatives have stated they can no longer locate my account, despite my ability to log in and view my payment history online. 

Despite transferring the account to multiple third-party agencies, Bank of America has continued to report the account as late on 2 major credit bureaus and with a balance, which is inaccurate and misleading. Bank of America should not continue reporting on this account if it is no longer in their possession or control. This is false and harmful reporting.

Additionally, I disputed this false reporting with all three major credit bureaus between XXXX and XX/XX/XXXX. No resolvable action was taken for 2 of those reporting agencies. Further, according to my XXXX  report, between XXXX XXXX XXXX, the following remarks were removed : Account information disputed by consumer This is also false, as I actively disputed the information during that period and have documentation to prove it. 

Additionally, Bank of America charged off this account as a profit and loss write-off, indicating they have already claimed the debt as a loss and no longer maintain ownership or servicing rights. This further supports the fact that they should not be furnishing ongoing updates or reporting a balance or delinquencies to any credit bureau. Once a debt is sold or assigned to a third-party collection agency, and especially after a charge-off, the original creditor is expected to report the account as closed with a {$0.00} balance, and no longer report payment activity. Continuing to report otherwise is misleading and inaccurate, and in direct violation of the FCRAs accuracy and completeness requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and despite submitting formal disputes and providing an FTC Identity Theft Report ( Report # XXXX ), the credit reporting agencies have failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ). 

I have continuously disputed multiple fraudulent accounts with TransUnion, Experian, and Equifax, requesting that they be blocked and permanently removed under 15 U.S. Code 1681c-2. Despite these efforts, the bureaus have either ignored my request or failed to act in accordance with the law. 

Specifically : Experian initially removed the fraudulent XXXX XXXX XXXX  account but reinserted it without notification or certification, which violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 
Equifax also removed the fraudulent XXXX XXXX  account but later reinserted it without following the proper legal protocol or providing notice, also in violation of 1681i ( a ) ( 5 ) ( B ). 

According to this law, if information is removed and then reinserted, the credit bureau must certify that the information is accurate and notify the consumer within five business days. This did not happen in either case.

I am asking the CFPB to investigate these FCRA violations and ensure that the fraudulent accounts are permanently removed and blocked as required by law. The reinsertion of previously deleted accounts without proper certification demonstrates a failure to conduct a reasonable investigation. 

Thank you for your assistance in resolving this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Card closed my account because of returned payments I had for non-sufficient funds. I explained to them, the reason why those payments were returned is because I had fraudulent activity in my XXXX XXXX account. This was out of my control and prior to those payments, ALL other payments made to Citi Card have gone through. I was trying to pay down on the balance because I am trying to purchase a home and I paid {$500.00} from my other bank a week prior to them closing my account which cleared, and they still closed it. Now my credit score is way down. I've worked hard in building credit and because of this I can not purchase a home at this time. 

I did not receive any calls, letters or given the chance to rectify the returned payments. They closed it without any warning. 

Account needs to be reopened and add a statement on my credit reports " closed in error ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: VA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSON CAPITAL LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX For Acct # XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX For Acct # XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certifled Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
I am contacting you regarding the inaccurate reporting of the account XXXX with number XXXXXXXX XXXX XXXX XXXX XXXX  on my credit report. The account is currently reflected as Collection Or Charge Off, with the date opened listed as XXXX, the date of last activity as XXXX, and the last verified date being XXXX. 

This information is incorrect, and I am formally requesting the immediate removal of this account from my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy of the data they report. Furthermore, I demand that you provide documentation to verify the accuracy of this account and proof of the alleged {$0.00}, as I dispute owing this amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
CREDIT ACCEPTANCE CORPORAT XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX For account ending with XXXX The company in question engaged in predatory lending practices, which included offering loans with exorbitant interest rates and hidden fees. They also employed aggressive debt collection tactics, such as constant harassment and threats, to intimidate borrowers into making payments. Furthermore, the company misrepresented the terms of the loans, providing misleading information about repayment schedules and interest rates. They took advantage of my lack of understanding of the loan terms, leading to significant financial hardship and stress. 
Despite my prompt notification for my account # XXXX I have experienced multiple billing errors and unresponsive customer service, which have caused significant inconvenience and stress. I request that these transactions be removed from my account and that my credit report be updated to reflect the correct information. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: FL

Complaint narrative:
I want to request a 1099c from the company cause on my credit report it was written off and that is not how to report and i am gone to sue for statutory damages if this isnt removed off my credit report! That is very much fraud to claim written off on my credit report but theyre claiming it on their taxes and I havent received a 1099c and they are still reporting on my credit for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Equifax Information Services , LIC XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : The information listed below, which appears on my credit report, is the result of Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
XX/XX/year> they started sending me email said use your XXXX card for cash advances this just seemed like a XXXX XXXX until my credit report got a MAJOR DECREASE OF ALMOST XXXX point in days I was scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX For Acct # XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail '' with receipt displaying my signature. If not, please delete account LVNV Funding Acct # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
Please delete off of my credit report per section 605B and delete inquiries per 15 U.S. Code 1681 ( n ) 15 U.S.Code 1681 ( b ) I have never authorized these inquiries please delete off of credit report it is affecting my beacon score which was XXXX now it has greatly reducded because of these inquiries that are not mine. Please delete inquiries and XXXX XXXX XXXX account that are not mine.XXXX XXXX  XX/XX/year>, XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX. PLEASE DELETE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
I am a victim of ID theft. I have since then filed a police report and obtained an attorney to fight the person opening accounts in my name and letting them go to collections. Please see the attached police report and the legal letters from my attorney. Here is the list of the fraud accounts 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 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 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