vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DigniFi
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Predatory Lending and Misleading Loan Terms To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute and raise serious concerns about a loan I obtained through DigniFi on XX/XX/year>, for the amount of {$1700.00} at XXXX XXXX XXXX. The loan, issued through XXXX, was presented as a convenient financing option, but I now believe the terms and fee structure were misleading, excessive, and exploitative. 

I was charged a 32.49 % interest rate on a XXXX term, and in less than one year, I have already paid over {$760.00}, including interest-only accruals, late fees, and other charges that have done little to reduce the original principal. According to my records : Interest charges alone have totaled over {$420.00}. 
A single months interest ( XX/XX/year> ) was {$270.00}. 
My current payoff balance remains over {$1300.00}, despite consistent payments. 
Late charges and adjustments have been arbitrarily applied, even after payments were made. 

This repayment structure is not only unsustainable but appears to violate the spirit of fair lending. At no point during the initial transaction was I made fully aware of how much of my payments would go only to interest for months, leaving the principal barely touched. I feel this is an intentional form of financial entrapment, leveraging people in vulnerable positions who need quick financing. 

I respectfully request : 1. A full breakdown of where each of my payments has been applied. 
2. A reassessment or reduction of the interest rate applied to my loan. 
3. Waiver of excessive interest and unjust late fees. 
4. An opportunity to settle the remaining balance at a reasonable amount without further penalties. 

If no resolution is offered, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the California Department of Financial Protection and Innovation ( DFPI ), as this appears to fall under predatory lending practices. 

Please respond to this complaint within XXXX business days. You may contact me at XXXX @ XXXX  or ( XXXX ) XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
[ # XXXX ] To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # [ # XXXX ]. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. 
I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 
Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 Experian XXXX XXXX XXXX TransUnion

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 2025-03-27 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: TX

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 Experian XXXX XXXX XXXX TransUnion

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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Date ] Subject : Formal Demand for Debt Validation Notice of Dispute To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt you have reported in my name. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand full validation of this debt, as I have identified discrepancies that require immediate investigation.

Pursuant to : 12 CFR 1006.34 ( c ) You are required to provide detailed, accurate information regarding this debt, including but not limited to the original creditor, itemized breakdown, and validation that the amount claimed is legitimate.

12 CFR 1006.6 ( c ) If you can not validate this debt, you must immediately cease all collection efforts and remove any reporting related to this account.

15 USC 1681e ( b ) It is your legal duty to maintain reasonable procedures to ensure the maximum possible accuracy of any information you furnish to consumer reporting agencies.

15 USC 1681s-2 ( a ) Information furnishers must provide accurate data and correct any errors upon notice of dispute.

Accordingly, I demand that you provide the following documentation within the legally required timeframe : 1. Complete validation of the alleged debt, including a copy of the original signed agreement proving I am liable.

2. A full and detailed payment history from the original creditor to the present, proving the accuracy of the balance claimed.

3. Evidence of ownership and legal right to collectif the debt has been sold, provide proof of chain of custody from the original creditor.

4. Verification that all reporting associated with this account is accurate, including the date of last payment and current status.

If you fail to provide adequate verification of this debt, I demand the immediate removal of this account from all credit bureaus and a formal written confirmation stating that the debt is unverified and will no longer be pursued.

This is a formal dispute under federal law, and any attempt to continue collection efforts without providing proper validation is a direct violation of my consumer rights and will be met with legal action.

This letter serves as written notice that all future communication regarding this matter must be done via mail only, and I revoke any prior consent for phone calls or electronic communication.

Failure to comply with my request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve my right to seek legal remedies for any violations of my rights under the FDCPA and FCRA.

This is a legally binding request. Please respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence. 

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my one and only address for the past 20 years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file. 

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account. 

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Getting Credit cards and offers for my business domains with my mailing address but not a name at this address ( or associated with these domains )! 

Continue to get offers- fear someone is trying to fraudulently establish credit or general identity theft! 

From Capital One Business, XXXX XXXX, XXXX, XXXX! 

Put Return to Sender, Not at this Address, even fraud suspected- but nothing has worked yet!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$6400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$6400.00}

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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IL

Complaint narrative:
Crown asset management notified me they had bought an old debt from XXXX XXXX that was charged-off, profit loss from XXXX. I never received a 1099C for me to file it as income. They are now trying to pursue this collection through court. Neither one of these agency 's are on my credit report with the amount of debt they are trying to sue me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
Willful Negligence in Identity Theft Case Failure to Block and Correct Disputed Accounts I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2.

Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

XXXX XXXX XXXX o Incorrectly reporting XXXX and XXXX lates ( XX/XX/XXXX ). 
o All payments have been made as agreed. This violates FCRA XXXX ( b ). 
XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX lates across all bureaus. 
o These are inaccurate and were never validated upon dispute. 
XXXX XXXX XXXX XXXX XXXX XXXXrd o XXXX payment reported for XX/XX/XXXX, despite active dispute status. 
o Still showing unresolved remarks, despite dispute resolution filings.

You are in violation of multiple federal laws and consumer protections : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681c2 Failure to block identity theft-related info after proper notice FCRA 1681b and 1681q Accessing and reporting my information without consent FCRA 1681n and 1681o Willful and negligent noncompliance 18 USC 1028A Knowingly using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter.

These agencies were notified in 2023 and failed to act. I am now escalating the matter. I am asserting my rights under federal law and will take further action if this is not resolved immediately. 

Attached Documents : FTC Identity Theft Report ( PDF, XX/XX/XXXX ) Current XXXX  Credit Report ( XX/XX/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 2025-03-27 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: MS

Complaint narrative:
Willful Negligence in Identity Theft Case Failure to Block and Correct Disputed Accounts I am filing this complaint as a formal notice of willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, as well as specific furnishers. I previously filed a full FTC Identity Theft Report ( Report # XXXX, XX/XX/XXXX ) which listed fraudulent accounts, identity misuse, and unauthorized reporting activity. My initial complaint to the CFPB went unresolved and my rights were ignored. 

The following fraudulent activity and FCRA violations were reported and disregarded : Experian rescinded an identity theft block in direct violation of 15 U.S. Code 1681c2.

Equifax and TransUnion failed to respond or remove the disputed accounts.

No agency provided proof of a reasonable investigation as required by 15 U.S. Code 1681i. 

XXXX XXXX XXXX o Incorrectly reporting XXXX and XXXX lates ( XX/XX/XXXX ). 
o All payments have been made as agreed. This violates FCRA XXXX ( b ). 
XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX lates across all bureaus. 
o These are inaccurate and were never validated upon dispute. 
XXXX XXXX XXXX XXXX XXXX XXXXrd o XXXX payment reported for XX/XX/XXXX, despite active dispute status. 
o Still showing unresolved remarks, despite dispute resolution filings.

You are in violation of multiple federal laws and consumer protections : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681c2 Failure to block identity theft-related info after proper notice FCRA 1681b and 1681q Accessing and reporting my information without consent FCRA 1681n and 1681o Willful and negligent noncompliance 18 USC 1028A Knowingly using my identity without lawful authority These discrepancies have caused credit denials, job rejections, emotional distress, and blocked me from progressing financially despite all good faith efforts to resolve the matter.

These agencies were notified in 2023 and failed to act. I am now escalating the matter. I am asserting my rights under federal law and will take further action if this is not resolved immediately. 

Attached Documents : FTC Identity Theft Report ( PDF, XX/XX/XXXX ) Current XXXX  Credit Report ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX Re : Complaint # XXXX-JP Morgan Chase Bank . 
Total money stolen- {$25000.00} plus {$2200.00} on XX/XX/year> from my new checking account. They put back {$12000.00} on XX/XX/year> and took it out again through XXXX XXXXs today in the amount of {$12000.00} The only people that have access to my account is me and Chase bank. So in my estimation, Chase is responsible for this money being stolen.

Company response to consumer: Closed with explanation