vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Dispute of Incorrect Charge-Off Reporting Request for Correction of Credit Report To whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report related to my auto loan account with Capital One Auto Finance . I respectfully request the immediate removal of the charge-off from my credit history based on the following material facts : 1. Account Information : Account Holder : XXXX XXXX Account Number : XXXX Creditor : Capital One Auto Finance 2. Discrepancy in Charge-Off Reporting : I was informed by Capital One Auto Finance that the charge-off on my account was reported inaccurately in XX/XX/XXXX. Specifically, they admitted that the charge-off should have been reported in XX/XX/XXXXXXXX  instead. As a result, the account shows a negative charge-off earlier than the actual date it was supposed to be recorded, which has a significant adverse impact on my credit standing. 
3. Account Status : This account was paid in full by me. The payment was made on [ Insert Payment Date ], and Capital One Auto Finance has acknowledged this payment, confirming that the loan was satisfied in full. As such, there is no outstanding balance or unresolved debt related to this account. 
4. Request for Correction : Given that the charge-off date was misreported and the account was settled in full, I am requesting that the erroneous charge-off entry be removed entirely from my credit report. This inaccurate reporting is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the account and is misleading to third parties reviewing my credit file. 

I trust that, in accordance with the FCRA and your regulatory authority, you will take the necessary steps to correct this mistake and ensure that my credit report accurately reflects the full and timely resolution of this debt. 
Please confirm receipt of this dispute and advise me of any additional steps required to resolve this issue promptly. 

Thank you for your attention to this important matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Update Personal Information. Do Not Share private personal information. Please update consumer reports to reflect new and current 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 non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Experian is inaccurately reporting derogatory late payment status on several accounts that show no past due amount and have no basis for being marked delinquent. The following accounts are in dispute : XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CAPITAL XXXX ( Accounts : XXXX * * * *, XXXX * * * *, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD ( Accounts : XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX MORTGAGE XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX ). These accounts either have {$0.00} past due or were resolved properly. Experians continued reporting of inaccurate payment history violates my rights under 15 USC 1681e ( b ), 1681i ( a ), and 1681n. The derogatory reporting must be deleted or corrected immediately to reflect accurate, timely payment history.

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 2025-04-24 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:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
* * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Date : XXXX To : * * Equifax * * XXXX XXXXXXXX XXXX XXXX, GA XXXX * * Subject : Request to Delete Late Payments and Hard Inquiries You Are Breaking the Law * * To the person reading this, I am writing to * * officially dispute * * and demand you * * fix mistakes * * on my credit report, according to * * federal laws * * ( the * * Fair Credit Reporting Act * * or FCRA ), and the * * Metro 2 Compliance Guidelines * * that credit bureaus must follow. Here 's what I want : -- - # # # 1. * * Delete Late Payments XXXX XXXXXXXX XXXX * * This account shows * * late payments * *, and that's a problem because : - You didnt follow * * Metro 2 rules * * or include the right * * codes * * for accounts in dispute. - The late payment is * * wrong * *, * * unproven * *,
or * * too old * * to report under * * 15 U.S. Code 1681 ( 2Xi ) * *.

- You may have made a mistake in billing, which is * * not allowed * * under * * 15 U.S. Code 1666b * * and * * 12 CFR 1026.13 * *.

So I want the * * late payment marks removed now * *.

-- - # # # 2. * * Remove Hard Inquiries I Didn't Approve Them * * There are several * * hard inquiries * * on my credit from XX/XX/XXXX. These companies checked my credit, but * * I never gave them permission * * : - Ally Financial - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Bank XXXX XXXX XXXX XXXX - XXXX XXXX - Singing River Federal These are * * unauthorized * *, and under * * 15 U.S. Code 1681b * *, you must * * have a valid reason and my permission * * to pull my credit. You didnt have that, so these inquiries must be * * removed immediately * *.

-- - # # # * * This Is Your Final Warning * * If you dont delete the late payments and inquiries within * * 15 days * *, I will : - File complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * * and the * * Federal Trade Commission ( FTC ) * * - Contact the * * Attorney General of Mississippi * * - Take you to court under * * 15 U.S. Code 1681n and 1681o * * and ask for * * money damages and lawyer fees * * This is your * * last chance * * to fix this peacefully. 

Sincerely, * * XXXX XXXX XXXX * * XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-24 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 





XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/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 2025-04-24 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 





XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/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 2025-04-24 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: LA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this violation which I would prefer in the form of deletions. Otherwise, I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: AZ

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-04-24 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: IL

Complaint narrative:
I have been disputing inaccurate accounts on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureau seem to ignore the trend and let these fraudulent accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediate. 
XXXX XXXX * * * * * * * * * * Balance Owed : {$280.00} XXXX  XXXX XXXX * * * * * * * * * Balance Owed {$7300.00} XXXX XXXX XXXX * * * * Balance Owed {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> somebody made an online purchase for XXXX, they used my name my telephone number my address and my Chase debit card but used a email address that wasnt mine on XX/XX/year> at XXXX PMthey used agovernment issued ID In my name, to pick the purchase up from XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX California. Chase denied my claim from evidence provided by XXXX XXXX. And refused to open it back up. On XX/XX/XXXX and XX/XX/XXXX I was in XXXX XXXX. I was XXXX miles away from the store where the purchase was picked up. I can prove where I was both these days In fact I was at work and processed a credit card payment for a client and I used a Chase merchant account to do so. Chase has refused to reopen claim and its been like insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am disputing a late payment reported on my credit file by my federal student loan servicer for the month of XX/XX/year>. During this time, to my understanding, my loan was in an active forbearance or deferment status, and I was not made aware of any payment obligation becoming due. I did not receive any communication or clear notice indicating that my loan had exited forbearance or that I was at risk of becoming delinquent. 

Due to the nature of federal loan servicing transitions and deferment/forbearance policies, particularly following the COVID-19 payment pause, I believe this late payment was either inaccurately reported or unfairly applied. My loan has otherwise remained in good standing, and this mark does not reflect my overall payment behavior or intent to comply. 

I am requesting that this negative entry be thoroughly investigated. If it can not be fully and accurately verified with documentation proving I was properly notified and that the account was not in a protected status, I respectfully ask that it be removed from my credit report in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Self Financial Inc.
State: OH

Complaint narrative:
Self financial was supposed to build my credit. I had a XXXX credit limit with them and I only use XXXX bucks therefore its my money and they close my account and they want me to pay back my money which is XXXX bucks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
In XX/XX/year> I contacted Bridgecrest.com to request a voluntary surrender of my vehicle. I checked back with them a week later and they notified me the loan was in the impound department. Since then I have not heard from them at all. Instead of updating my credit to reflect a voluntary surrender effective XX/XX/year> they continued to show late for 120 days then as a charge off on both my and my coborrowers credit. There been no letters indicating final balance due, nor any contact made to show how to resolve final balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
Hi Equifax, I just paid for a copy of my credit report and I found those two inquiries that not authorized and shall be delete. 


XXXX inquiry date on XXXX/2025 and XXXX XXXX inquiry on date ; XX/XX/year>2025 Delete those 2 inquiries from my credit report. 



I am aware that, as per 15 U.S.C. Sec. 1681 i { a }, you are required to delete this fraudulent account within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$1000.00} CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$160.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$64.00} These accounts has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief