vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : CAPITAL ONE XXXX Open Date XX/XX/year> Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Account Status FCRA XXXX To Whom It May Concern, I am writing to dispute the reporting of an account that appears on my Equifax credit report as open, even though it is accurately listed as closed on my Experian report, and doesn't appear at all on my Transunion report. This conflicting information suggests that your data may be inaccurate which is a violation to the FCRA ( Fair Credit Reporting Act ). 

Details of the Disputed Account : Creditor Name : XXXX XXXX Account Number : Unknown Reported Status on Equifax : Open Reported Status on Experian : Closed According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are required to conduct a reasonable reinvestigation of any disputed information on a consumers credit file. I request that you remove it from my credit profile this is reporting inaccurate information which is furnishing my credit worthiness. Did I give Equifax, Experian permission to do so? I DID NOT. Furthermore Collections should NOT be reporting as open it should say " Closed, or Sold '' this discrepancy needs to be deleted from my credit report immediately it fails to meet the FCRA Requirements. 

Delete the account from my Equifax and Experian report if it can not be verified with current, accurate information. 

Enclosed Documents : Copy of my Equifax credit report ( with the disputed account highlighted ) Copy of my Experian credit report showing the account as closed Proof of identity ( drivers license or passport ) Proof of social security card Copy of Equifax/Experian current sue with the CFPB due to invalid dispute investigations Please complete your reinvestigation within the required XXXX period and send me written confirmation of the outcome. If this issue is not resolved, I will consider filing a complaint with the Federal Trade Commission ( FTC ) for failure to maintain accurate reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
Summary of Your Complaint : I am a verified victim of identity theft. While I originally opened the following accounts, they were later compromised and used without my knowledge or consent. After the closure of my former business ( XXXX XXXX ), I began noticing unauthorized activity, fraudulent charges, and suspicious usage patterns on multiple personal accounts. 

I filed disputes under FCRA 605B with Experian, TransUnion, and Equifax and included : My FTC Identity Theft Report A police report documenting the fraud My government-issued ID and utility bill Despite meeting all legal requirements, these accounts are still being reported as derogatory : XXXX XXXX showing charged-off balance related to fraud XXXX  XXXX showing fraudulent charges and misreporting XXXX  XXXX showing unauthorized use and charge-off These derogatory remarks are the direct result of identity theft. I am requesting the XXXX assistance to enforce the removal of these accounts in accordance with FCRA 605B and 611. I have already provided documentation to the credit bureaus and creditors, and they have failed to resolve the matter accurately. 

The continued reporting is damaging my credit and ability to qualify for housing, business opportunities, and financial services.

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 2025-04-17 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 explanation
Consumer complaint received 2025-04-17 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Usually I have my credit paused because of events like this but I was just hit with XXXX different inquiries from banks I dont have accounts with. I unfroze my credit to get another chase card on XX/XX/year>, then got inquired from both Capital one and XXXX also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NM

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collector
s. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$660.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$2000.00}

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 2025-04-17 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: NM

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collector
s. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$660.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
So this goes back a while to get the whole story. I had a XXXX XXXXXXXX leased through Nissan Motor Acceptance Corporation ( now Company ). I was injured in a car accident ( in a rental ) and was out of work for 3 months. So I fell behind my car payments. I was struggling to catch up with all my bills and I was communicating this with NMAC. At this point I had just decided to move into a place that was a better fit for my financial situation. I knew I was late with NMAC so I called on a Sunday or Monday and asked if it were alright if I paid them my next payday ( that Friday ) or if they needed payment now. They said its no problem to pay them Friday. This was a lie. 2 days later I wake up to my car missing. I find out it was repossessed. Since I was in between places all my important personal belongings was in there. The repo people required a payment for me to get my stuff. I never got my stuff. I filed a CFPB complaint and you fined NMAC and ordered them to sent a redress payment to the affected customers. My co-signer, my grandfather, got a check sent to my address- we do not live together. I gave him his mail and he told me what it was but said XXXX have an attorney look into it. He was old and forgetful and it never got looked at. He passed away not too long ago. I found the letter and the check cleaning up his things. Ive tried calling the number in the letter XXXX but the only answer that number will get is a prerecorded message of someone pretending that they cant hear you and they give you another number to call. I called that number and he couldnt help me and gave me 2 other numbers to call that might help. 1 of those 2 numbers cant help and they transfer me to the other number who I dont know if they can help because he said Im being recorded so I said ok Ill start my recording too. And then he made a big fuss about me recording the call when they are recording the call. He hung up on me. And Im sitting here with a check to my dead grandfather sent to an address hes never lived at for a redress payment that was for my car and things in it that got stolen, which were worth far more than {$140.00}. And Im trying to just get them to write the check to the correct person, me, and I was willing to just take the long accepted loss to just be done with this whole thing but NMAC wants to keep playing games. And this is unrelated but I got a bill from my insurance 5 years after my car was repossessed because my insurance paid a fraudulent claim made by NMAC who alleged damage to the vehicle. When I got that bill I called and the agent who approved it was not in, thank XXXX because the agent who I spoke with reversed that decision because the alleged damage was clearly bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Wells Fargo Customer Service, This letter serves as a formal complaint regarding a severe discrepancy in my outstanding account balance and a likely incorrect interest fee, as reported by Wells Fargo and the XXXX XXXX The " XXXX '' section of my XXXX XXXX ( as shown in the attached screenshot ) currently displays an Outstanding balance of {$11000.00}. However, my calculation of the outstanding balance, based on the detailed transaction history displayed on the XXXX XXXX for XXXX and XX/XX/XXXX ( as shown in the attached screenshots ), indicates a credit balance of {$10000.00}. 

According to the XXXX XXXX transaction history for XX/XX/XXXX ( as shown in the attached screenshots ), the total of all transactions is {$16000.00}. This includes an " XXXX XXXX XXXX XXXX XXXX ... '' entry on XX/XX/XXXX for {$190.00}. 

The XXXX XXXX transaction history for XX/XX/XXXX ( as shown in the attached screenshot ) includes a mortgage payment on XX/XX/XXXX, for {$5700.00}. 

Combining these amounts : XXXX {$10000.00} The staggering difference between my calculated credit balance ( - {$10000.00} ) based on the XXXX XXXX 's own transaction records and the reported outstanding balance ( {$11000.00} ) is unacceptable and indicates a very serious error that requires immediate and thorough investigation. 

Furthermore, given the significant overstatement of my outstanding balance by Wells Fargo, I believe the interest adjustment of {$190.00} applied on XX/XX/XXXX, was likely calculated incorrectly and is therefore being disputed. If my account should have had a credit balance, or a significantly lower outstanding balance, this interest fee would be unwarranted. 

I request a detailed explanation for both the discrepancy in the outstanding balance and the calculation of the {$190.00} interest adjustment. I demand an immediate correction to my account balance to reflect the credit of - {$10000.00} and a reversal of the incorrectly applied interest fee. 

Please provide a detailed breakdown of the reported balance of {$11000.00} and the calculation of the {$190.00} interest adjustment, identifying the source of these significant errors. I also request confirmation once the necessary corrections have been made to reflect the accurate credit balance of - {$10000.00} and the removal of the disputed interest fee. 

You can contact me at XXXX to discuss this matter further. 

Thank you for your prompt and urgent attention to this critical issue. 

Sincerely, 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 2025-04-17 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:
In Response to your ignorant comment : CONSUMER HAD REOPENED CASE DUE TO NON SENSE, NEGLIGENCE, AND IGNORANCE OF COMPANYAbsolute Resolutions Investments, LLC ( ARI ) is in receipt of the complaint filed by XXXX XXXX XXXX ( Consumer ) on XX/XX/year>, wherein Consumer complains NO ACCOUNTS HAVE CONSUMERS XXXX XXXX XXXX AND MUST BE REMOVED. Consumer has two accounts ; ARI has performed an investigation and is closing this complaint with the following explanation. ARI has investigated and responded to complaints from Consumer previously as well as provided validation. Validation included a copy of the assignment, Consumers account terms and billing statements for Consumers account. At wet ink signature is not necessary for a credit card, use of the account is acceptance of the terms. ARIs internal account numbers are XXXX and XXXX. Based on the foregoing, ARI is closing this complaint.

THIS IS AGAINST THE LAW! PER ANY COLLECTION COMPANY THAT IS NOT LISTED ON THE NEW YORK STOCK EXCHANGE, HAS NOTHING TO SAY TO ME! YOU STOLE MY PERSONAL INFORMATION! YES IN ORDER TO PROVIDE PROOF OF ANY CONTRACT, ( WHICH THERE IS NONE WITH MY WET INK SIGNATURE ) YOU MUST PROVIDE THAT PROOF WHICH YOU DO NOT HAVE AND THIS FRAUDULENT COMPANY IS IN SEVERAL VIOLATIONS OF MY CONSUMER RIGHTS! REMOVE FRAUDULENT ACCOUNT OFF OF MY REPORT IMMEDIATELY! VIOLATIONS COMMITTED AND WILL BE PROSECUTED TO THE HIGHEST EXTENT : 1. 15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A 3. 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7.15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9. 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT 11.42 U.S. Code 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER 12. 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 13. 15 U.S. Code 1681 Section 602 A Section 2 - A CONSUMER REPORTING AGENCY CAN NOT FURNISH ANY DATA ON ANY CONSUMER REPORT WITHOUT INSTRUCTIONS 14.15 U.S. Code 1602 - Rules and constructions 15. 15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting 16. VIOLATION OF ORDER TO CEASE AND DESIST

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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