vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am filing this complaint against Capital One Auto Finance due to inaccurate and conflicting information regarding my auto loan account, specifically the balance discrepancies between the credit bureaus. Despite my efforts to resolve this issue, Capital One has failed to provide adequate verification or address the discrepancies, which has resulted in harm to my credit.

1. Balance Discrepancy Between Credit Bureaus : Capital One Auto Finance reports the correct balance of {$3500.00} to XXXX and XXXX, but XXXX is reporting an inflated balance of {$3700.00} for the same account. 
This discrepancy creates confusion and raises concerns about the accuracy of the information provided to the credit bureaus. Since all three bureaus should reflect the same information, this incorrect reporting by XXXX has caused harm to my credit. 
2. Failure to Provide Verification of the Discrepancy : Despite my dispute with XXXX and ongoing attempts to resolve the issue, Capital One has failed to provide sufficient verification of the reported balance discrepancy. The documents I received, such as payment history and a signed contract, do not explain the variation or substantiate the inflated balance on XXXX report. 
Without clear and adequate verification, I am left unable to confirm whether the reported balance is correct.

3. Failure to Provide Method of Verification ( MOV ) : Under the Fair Credit Reporting Act ( FCRA ), Capital One Auto Finance is required to provide a method of verification ( MOV ) when a dispute is raised. However, they have failed to provide this critical information, preventing me from understanding how they arrived at the inflated balance reported to XXXX. 
The absence of MOV violates my rights under the FCRA, and I am unable to verify if the account was handled properly.

4. Request for Deletion from All Credit Bureaus : Due to the continued inaccuracies in the balance reported across all credit bureaus and Capital Ones failure to provide verification of the reported information, I request the immediate deletion of this Capital One Auto account from my credit reports with XXXX, XXXX, and XXXX. 
The inaccurate reporting and failure to provide proper verification have caused significant harm to my credit, and the account should be removed entirely from all credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Consulting Agency LLC
State: GA

Complaint narrative:
GLOBAL CONSULTING AGENCY Original creditor XXXX XXXX XXXX  This company has placed a collection on my credit report. I contacted them and XXXX for verification, but neither company has given me proof. This account was reported in XX/XX/year>. The amount of the collection is {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Hello Consumer Financial Protection Bureau, I have received a letter from XXXX , XXXX XXXX XXXX , P.L . a law firm representing XXXX XXXX XXXX, XXXX. They are claiming that I owe allegedly " {$550.00} '' however, I did not receive any debt validation from both the credit debt collection agency or this firm. I Furth more question the legitimacy, I will need a debt verification.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A HARD PULL FROME XXXX ON XX/XX/year>1965 ON EQUIFAX I DIDNT RECOGNIZE I THINK NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$6700.00}

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 2025-03-11 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: MD

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company name : DEPT OF EDUCATION/NELN - Account # : XXXX - {$1100.00} Company name : DEPT OF EDUCATION/NELN - Account # : XXXX - {$2300.00} Company name : DEPT OF EDUCATION/NELN - Account # : XXXX - {$7200.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$3600.00} Company name : DEPT OF EDUCATIONXXXX - Account # : XXXX - {$4200.00} Company name : DEPT OF EDUCATIONXXXX - Account # : XXXX - {$5800.00} Company name : DEPT OF EDUCATIONXXXX - Account # : XXXX - {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CFPB- 15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit.

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 2025-03-11 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-03-11 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i notice that your company capital one closed my two credit card accounts without my permission acct no. XXXX .... 

acct no. XXXX .... 

therefore i need the 1099 form that was closed or charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been a victim of theft and identity theft. In XXXX, I had my car broken into and my wallet stolen permanently from me. I have both an identity theft report and a police report. On my credit reports, I noticed the credit bureaus have added late payments to my history for my XXXXXXXX XXXX XXXX XXXX one of the many cards that were stolen from me. I also have noticed unauthorized inquiries on my credit report and previous collections which have now been removed. I need the late payment history removed, because it is harming my chances of obtaining a new vehicle or getting a home in my name. Please remove all late payments for my XXXXXXXX XXXX XXXX XXXX  from my credit reporting, because it is not my fault that I had to request a new card over the holidays, which took time.

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 2025-03-11 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: OH

Complaint narrative:
I have been a victim of theft and identity theft. In XXXX, I had my car broken into and my wallet stolen permanently from me. I have both an identity theft report and a police report. On my credit reports, I noticed the credit bureaus have added late payments to my history for my XXXXXXXX XXXX XXXX XXXX one of the many cards that were stolen from me. I also have noticed unauthorized inquiries on my credit report and previous collections which have now been removed. I need the late payment history removed, because it is harming my chances of obtaining a new vehicle or getting a home in my name. Please remove all late payments for my XXXXXXXX XXXX XXXX XXXX  from my credit reporting, because it is not my fault that I had to request a new card over the holidays, which took time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Debt Validation Request ( Follow-Up to Unanswered Dispute ) Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the debt reported on my credit report by ATTORNEY GENERAL-CHI under account number XXXX. I had requested validation of this debt 90 days ago, but unfortunately, my dispute has gone unanswered. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported. 
To facilitate the review of my records and ensure that the debt is accurate, I am requesting the following : 1.

Proof that the debt is mine, including the name of the original creditor.

2.

The amount of the debt at the time it was reported to you.

3.

A complete transaction history or statement detailing the debt.

4.

Proof of the original contract or agreement that verifies the debt.

5.

Any other documentation to confirm that the debt is accurate and belongs to me.

For your convenience and to assist with verifying my identity and the debt, I have attached copies of the following documents : Drivers License ( front and back ) Social Security Card ( front and back ) Utility Bill Pay Stub Please send me a detailed response with the requested documentation. If this debt can not be validated, I kindly ask that it be removed from my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved in a timely manner. If this issue is not resolved in a reasonable time frame, I will consider further actions to address this discrepancy. 
Thank you for your prompt attention to this matter. 
Sincerely, 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
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RockLoans Holdings LLC
State: MI

Complaint narrative:
I was experiencing a difficult financial situation and reached out to Rocket Loans for assistance and they repeatedly declined to assist, stating that they could not locate an account associated with the email address they were sending emails to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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