vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXXXXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX XXXX, and XXXX  data breach.

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 2025-07-03 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXXXXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX XXXX, and XXXX  data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AR

Complaint narrative:
I entered into an installment loan agreement with XXXX XXXX Bank ( through Xact/Axcess Financial ) for a principal amount of {$1000.00}. The total repayment amount required under the agreement is {$3100.00}, which reflects an annual percentage rate ( APR ) of approximately 159.84 %. I believe this interest rate is abusive and violates Arkansas constitutional usury limit, which caps interest rates at 17 %. 

This loan was marketed and originated in a manner that targeted financially vulnerable individuals and created a cycle of debt. I was not fully aware of the long-term costs or predatory structure of the loan at the time I signed the agreement. I am now requesting that the CFPB investigate this matter and take action to stop these practices. I also request that the remaining balance be canceled and that any payments made in excess of the princi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am submitting this formal complaint against Capital One, XXXX XXXX XXXX, and the major credit reporting agencies for their failure to follow proper verification and reporting procedures under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and relevant provisions of the Internal Revenue Code. 
Account at Issue : Creditor : Capital One Amount Charged Off : {$6100.00} Debt Collector : XXXX XXXX XXXX Date of Capital One Response to 1099-C Request : XX/XX/year> Summary of the Issue : Capital One charged off my account in the amount of {$6100.00}. Under IRS regulations, any debt cancellation over {$600.00} is considered taxable income and must be reported to the IRS via a Form 1099-C, pursuant to XXXX XXXX. On XX/XX/year>, when I formally requested confirmation and a copy of the 1099-C filed with the IRS ( if any ), Capital One refused to provide one and denied the debt was forgivendespite the charge-off. 
After the charge-off, Capital One sold the alleged debt to a third-party debt collector, XXXX & XXXX. I was sued in court, and due to the aggressive legal pursuit and lack of resources, I was compelled to enter a $ XXXX  monthly payment agreement under duress. 
I submitted disputes with the credit bureaus, including supporting documentation such as : My request to Capital One for a 1099-C Their written denial of debt cancellation Court documents related to the lawsuit and payment plan Proof of chain of assignments and the contradiction in ownership/claim Despite this, the credit reporting agencies continue to mark the Capital One account as " Verified '' without any substantive reinvestigation or evidence of proper verification, in direct violation of the FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ).

Legal Violations Cited : 1. FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

2. FCRA 1681s-2 ( b ) Furnishers of information ( Capital One ) failed to correct inaccurate or unverifiable data upon notice of dispute.

3. FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure accuracy of information. 
4. XXXX XXXX Failure to issue Form 1099-C despite a charge-off of more than {$600.00}, while simultaneously denying debt forgiveness and continuing collection through sale.

5. Deceptive and abusive collection practices Continuing to collect a charged-off debt without properly reconciling the tax implications, consumer rights, or ownership transparency. 

The current state of reporting is inaccurate, misleading, and causing ongoing harm to my financial standing. I have acted in good faith to resolve this matter but have been met with automated responses and circular verifications devoid of actual documentation or accountability. 

Please investigate this matter promptly and advise of the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MO

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft.

Under Section 605B of the FCRA, please block and delete the unauthorized items. Ive included a list of the disputed entries and my FTC Identity Theft Report.

Please confirm once the corrections are made. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against Department of Education/AIDV, XXXX XXXX, and XXXX for continued reporting collections of student loan debt that is now legally void following the executive order to abolish the US Department of Education Complaint Details 1 . Illegal Credit Reporting - The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt - The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agency 's abolishment.

3. Unfair and Deceptive Practices - The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C 1692 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Managed Recovery Systems, Inc.
State: SC

Complaint narrative:
In XXXX, I discovered a collection account from Managed Recovery Systems related to XXXX XXXX on my credit reports. I disputed this account twice with XXXX  both denied. However, it was disputed separately on XXXX  twice and resulted in being updated to show as Paid in Full on XXXX, even though I never made a payment, arrangement, or settlement.

I have never been contacted by Managed Recovery Systems in any formno phone calls, letters, or emailsand I never agreed to pay or acknowledged this debt. I believe the Paid in Full status on XXXX  was likely a result of the companys inability to verify the debt, not due to any payment. At the same time, the company continues to report the account as a valid, unpaid debt on XXXX, which contradicts the XXXX  status
.

This inconsistency is misleading and demonstrates that the debt is either unverifiable or being inaccurately reported. I submitted a debt validation request in XXXX, which was ignored, and sent another request on XX/XX/XXXX, but have yet to receive a response. 

This collection account has contributed to a housing denial and has had a serious negative impact on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I paid XXXX dollars to get my car out of repossession status and on Monday morning XX/XX/XXXX the repossession got closed and Monday night at XXXXXXXX XXXX my car still got towed and repossessed. The tow truck company failed to report to the police or Ally financial for two days so today is XX/XX/XXXX and now I have to wait until Monday XX/XX/XXXX for the escalations team to call me back so I will have gone 7 days without a car or an answer when my car was wrongfully repossessed!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 inconveniencd and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I made a purchase on the website XXXX for an advertised steam account for a specific game. The purchase was for a separate steam acct from my own personal one. XXXX was forcing me to link my own personal acct to their system. This was not advertised at all and I was not comfortable providing acct info ie. password/username. XXXX support was not helpful and they blocked my account for even just bringing up a possible chargeback as they were not properly listing the steam acct requiring a personal steam login. I issued a chargeback with Citi in XXXX regarding this. The process took a couple of months, during this time Citi never reached out for my story or supporting docs that I was not sold what was advertised. Then today XX/XX/XXXX they issued a decision saying I was responsible. They provided no reasoning or any request for the supporting docs I had. Their phone line is robot XXXX. They stated a email was sent but I can not locate said email explaining why this decision was made. Keep in mind this was only a XXXXXXXX XXXX  charge.

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 2025-07-03 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Demand for Immediate Removal of Inaccurate Reporting - XXXX XXXX Account # XXXX To Whom It May Concern, I am demanding the immediate removal of inaccurate information from my credit report related to a XXXX XXXX account, Account # XXXX. The amount reported as {$850.00} is incorrect, with the Cancellation of Debt ( Form 1099-C ) showing a forgiven amount of {$660.00}. Furthermore, the address associated with this account is outdated and no longer mine, adding to the inaccuracies.

Due to these errors, I insist this entry be fully removed from my credit history under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Enclosed are copies of the 1099-C and proof of my current address as evidence. I will not assist in correcting this for your benefityour inaccurate reporting is the issue, and I expect it to be deleted, not adjusted.

I demand a response and resolution within 30 days, as required by law. 

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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Oliphant United, Inc.
State: NY

Complaint narrative:
i don't owe a debt to this company they started really ramping up the calls to 5 times a day i am sick of blocking their numbers and I requested via their text messege service 4 times i replied STOP this has happen everyday for the last 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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