vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 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: NJ

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: CT

Complaint narrative:
I am writing to request a formal validation of the debt referenced above in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to request a formal validation of the debt referenced above in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-09-20 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: CT

Complaint narrative:
I am writing to request a formal validation of the debt referenced above in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was checking my bank statements and saw unauthorised transactions through my Wells Fargo checking account, on XX/XX/year> for the amounts totalling XXXX one transaction was XXXX and the other XXXX. I first tried contacted the company who charged me because it appears to me someone access a crypto investment account of mine through ( XXXX  ) by resetting my password ( I found an email on that date ), after a couple days I decided to dispute the fraudulent transaction through Wells Fargo, but they did not seem to mention that I would be credited in fact they said there is no mention of being credited, given their history with customers I dont feel comfortable with leaving this in their hands. 
Im not sure exactly how someone access my information but its most definitely fraudulent

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is in response to the companys reply regarding my CFPB complaint ( XXXX XXXX. : XXXX ). XXXX XXXX  has attempted to shift the responsibility to the credit reporting agencies ; their response fails to satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite more than 90 days since the initial CFPB complaint, I have not received any documentation directly from the company validating the accuracy of the reporting or substantiating the alleged late payments. Simply asserting that the information was reported does not constitute validation. Where is the actual documentation that demonstrates what was furnished to the credit reporting agencies? The company claims that the account is accurately reported but provides no record or furnished data of their own to prove that what was transmitted to the credit reporting agencies is correct. Without copies of the furnished reporting, payment history records, or XXXX XXXX reporting confirmations, there is no way to verify the accuracy of their statements. Placing the burden solely on the credit reporting agencies is not sufficient. Under the FCRA, furnishers of information have an independent obligation to investigate disputes and ensure accuracy. XXXX can not abdicate responsibility by pointing to the credit bureaus formatting differences. As of today, I still have not received any proper validation of the account or proof of the reported late payments. A generic statement and redirection to the CRA or debt buyer does not resolve my dispute with XXXX XXXX  XXXX XXXX as the original furnisher of the 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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing inaccurate information that has been reported on my credit file. The account ( s ) in question do not belong to me, yet the company has continued to report them as valid. I have already notified the company and the credit bureaus, but they have failed to provide proper verification or correct the errors.

This inaccurate reporting is causing me significant harm, including lowering my credit score and interfering with my ability to obtain credit, housing, and business funding. Under the Fair Credit Reporting Act ( FCRA ), information on a credit report must be accurate and verifiable. Since the company can not prove the account belongs to me, I am requesting immediate deletion of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: GA

Complaint narrative:
Hello, plse get rid of my report and file. I am fightin against identity theft and did not consent to it. PlSe get rid of thos records so as to clear up my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following request was previously made to this debt collector asking for the debt to be validated with documentation : To whom it may concern, Your company is currently reporting rental debt on my Experian credit report in the amount of XXXX XXXX XXXX XXXX  ( Account # XXXX ) It needs to be deleted because this account is UNVERIFIED.

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 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting a complaint regarding a {$250.00} travel credit on my Capital One Venture card that expired on XX/XX/XXXX. I was never notified that this credit would expire. Capital One representatives confirmed during multiple phone calls that no expiration reminders or notifications were sent.

I spoke with three different representatives, including one who claimed to be a supervisor. All confirmed the lack of notification and stated that the credit had expired and could not be reinstated. Despite this, I was never reasonably informed of the expiration. The only mention of the expiration was buried in the Rewards section of the cardholder agreement, which is not a sufficient method of notifying customers. 

This {$250.00} travel credit was a significant part of the cards value and a key reason I applied for the XXXX card. I feel it is unfair and misleading that I was denied the opportunity to use a benefit I reasonably expected and earned as part of my signup bonus. 

Supporting Information / Notes : Calls with Capital One representatives on XX/XX/XXXX Customer service admitted no notifications or emails were sent of an expiration

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
I am writing to dispute a duplicate entry on my credit report for account [ XXXX, XXXX, XXXX ] each of those for the same amount of {$1000.00}. I have verified that these account are already reported under a separate listing, and these duplicate are incorrect. Please investigate and remove the duplicate entries to ensure my credit report accurately reflects my accounts. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc.
State: OK

Complaint narrative:
There have been several reports that Ive made disputing items every time I tried disputing. I am rejected this last time. I think I had enough I transferred {$100.00} over to someone thinking I was gon na have a room and a hotel to find out that Im not gon na be able to get a room or a hotel I asked for a refund from the person rejected. I do have text messages of the people saying that they would send me the money back, but I have never received the money back. I filed a dispute with cash app several times. Nothing was done about it just rejected. Ive lost {$100.00} thinking I was gon na get a hotel room there was several people that pitched in money and nothing was done no refund made by the person nor the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than s
even years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I sent a person a total of {$1400.00} in separate payments over the last few months for a service that wasnt completed. They stole the money and then blocked me so I reached out to cashapp and asked for a refund and also reported their cashapp account and they didnt refund me. My cashapp is $ XXXX and I gave them his cashapp which is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding my open auto loan with Toyota Motor Credit Corporation. My account is reporting late payments for XXXX, XXXX, and XX/XX/year>, which is inaccurate. During this period, my payments were deferred due to XXXX, and I was covered under the CARES Act protections. Reporting late payments during an approved deferment is not compliant with the CARES Act or the Fair Credit Reporting Act ( FCRA ). 

Additionally, the reporting itself is inconsistent and factually incorrect. Both XXXX and XX/XX/year> are being reported as 60 days late, which is impossible and does not reflect an accurate payment history. 

As the furnisher of information, XXXX XXXX XXXX has an obligation under the FCRA to ensure maximum possible accuracy in the information it provides to the credit reporting agencies. The credit reporting agencies only report what is furnished to them, so placing blame on the CRAs is not a sufficient response. XXXX XXXX XXXX is responsible for validating the accuracy of the information it reports and for correcting errors when identified. 

I respectfully request that XXXX XXXX XXXX remove the late payment notations for XXXX, XXXX, and XX/XX/year> and update my account to reflect Paid as Agreed, Never Late. I remain an active customer with XXXX XXXX XXXX, and my goal is simply to ensure my credit reports are accurate and compliant with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I am writing to you to request a goodwill adjustment for a late payment that is on my account from XX/XX/XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but during this time period was a hardship for me. At the time of this late payment, I was dealing with unforeseen medical issues. My trucking business wasnt running at 100 % during this time. I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual historical creditworthiness. I have been a happy customer since XXXX and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing this mark from my credit reports. 
I am now trying to buy a new house and buy a car and I am having trouble doing so due to my XXXXredit score decreasing due to this late payment.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am asking that this late payment be removed from all of my credit reports in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why JPMCB is above the competition. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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:
I am submitting a formal complaint against [ Credit Bureau Name ] for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 

On [ Date of credit report ], I identified discrepancies in the following account : 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 XXXXXX/XX/XXXX Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

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