vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was and have been paying as agreed. I recently pulled my report to find that Capital one did not keep their word in correcting their mistake. I was making the payment as agreed, was not in collections but capital one served me.I contacted them to find out what was going on.In my I inquiry there were multiple issues : 1. I was paying as agreed, capital one stated under penalty of perjury they were NOT in contact with me and hadn't received payment 2. Account was charged off prematurely and while account was in payment agreement 3. I disputed all of this with capital one and due to the fact I had been paying as they agreed prior to them filing and the court documents made multiple false statements, Capital one stopped the lawsuit and said they would correct the information and did not. My report still shows charged off, yes it's been a while but there was no need for me to check my credit until now. I do have the email correspondence in regards to this, it's been a couple of years so I have many emails to go through, but Capital one should also have this information and correspondence on file. They did not honor their word in correcting the account information on my report although I kept mine in paying the minimum payment I had agreed on before the account was in collectiond and they filed their suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received a {$1000.00} Cash App payment from a sender I do not know. I can not verify the legitimacy of the payment. I requested that Cash App investigate and, if necessary, reverse the transaction under its Terms of Service ( updated XX/XX/year> ), which state : We may block or reverse any transaction, including those that violate our terms or the law, at your expense. 
Instead, Cash App told me they can not reverse the payment and that the only way to return funds is for me to authorize a refund. Approving a refund would create a new transaction authorized by me, exposing me to double loss if the original {$1000.00} is later found fraudulent. 
I have an open case ( # XXXX ). Cash App support has refused to escalate to management by phone or email. I am seeking CFPB assistance to ensure Cash App investigates and resolves this issue in line with its Terms of Service, rather than forcing me into a risky refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * LVNV FUNDING LLC * * Regarding : * * LVNV FUNDING LLC, Account NO. : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way LVNV FUNDING LLC is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by LVNV FUNDING LLC - The account reported positively for a period of time.

- After I became delinquent, LVNV FUNDING LLC charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 
- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
It was around {$410.00} I Called the collection Company and when they answer the phone all they wanted was a Credit card number so they could charge me to help me they did not ask my name or tell me what it was about they were more concerned about getting money first. They refused to tell me what the collection was for. They sound like they were trying to scam me so I hung up the phone and later found out I had an outstanding XXXX  bill that I paid directly to the XXXX company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am responding to your claim regarding the alleged debt referenced above. Please be advised that I dispute and deny owing this debt in its entirety. I do not acknowledge this debt as valid, nor do I accept any responsibility for it. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you : 1. Cease all collection activity until you provide proper validation of this debt, including original creditor information and a full accounting of the alleged balance.

2. Refrain from reporting this unverified debt to any credit reporting agencies. If it has already been reported, it must be immediately removed until validation is provided.

3. Provide written proof that I am legally obligated to pay this debt.

If you can not provide the above documentation, you must close this account and cease further contact with me regarding this matter. 

This letter is not an acknowledgment of the debt, nor is it a refusal to pay a valid debt ; it is a formal notice of dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My brother for almost two years knew he owed me lots of money from my mother 's will. Anyway he didn't pay anywhere near the correct amount and the military service he is in is the United States XXXX. The bank I used was XXXX XXXX. He is a 20 year vet. I don't understand why it happened but the VA stopped paying me maybe a joke on his title name XXXX. Yet it was a struggle. The bank has a lot of my money and I deserve it not them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AZ

Complaint narrative:
I have disputed inaccurate and unverifiable information with the credit bureaus ( Experian, Equifax, and TransUnion ). Despite submitting documentation and requesting verification, the bureaus have failed to properly investigate. The incorrect information still remains on my credit report, including accounts that are not mine, contain wrong dates or balances, or are past the statute of limitations. The credit bureaus have not provided proof of verification.

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 2025-09-10 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: FL

Complaint narrative:
Metro 2 Compliance & CFPB Complaint Wording Subject : Failure to Process Investigation Metro 2 & FCRA 611 Violation To Whom It May Concern : I am filing this complaint because TransUnion has failed to properly process my dispute investigation in compliance with Metro 2 standards and FCRA 611 ( 15 U.S.C. 1681i ). 

On XXXX XXXX I submitted a valid dispute with two acceptable and current proofs of address ( clear, legible, and within required date ranges ). Instead of completing the reinvestigation, TransUnion sent a stall letter dated XX/XX/year> falsely claiming my documents were illegible or unacceptable. 

This action is a violation because : FCRA 611 ( a ) ( 1 ) : TransUnion must conduct a reasonable reinvestigation of disputed information within 30 days of receipt.

FCRA 611 ( a ) ( 2 ) : The CRA must forward all relevant information I provided to the furnisher for investigation. Rejecting valid documentation obstructs this process.

FCRA 611 ( a ) ( 5 ) : If TransUnion can not verify the disputed information within the 30-day window, it must delete or correct the disputed item.

Metro 2 Reporting Compliance : Rejecting my valid documentation and restarting the timeline is a direct violation of the required workflow for handling consumer disputes.

I demand that TransUnion : Accept my already submitted proof of address ( or allow me to re-submit electronically ).

Complete my dispute reinvestigation without restarting or extending the statutory 30-day deadline.

Delete or correct all unverifiable accounts as required by FCRA 611 ( a ) ( 5 ).

Failure to comply will result in additional regulatory complaints and possible legal action.Summary of Issue : I submitted a proper dispute with two forms of valid, current, and legible proof of address. TransUnion rejected my documents and issued a stall letter, falsely claiming they were illegible or unacceptable. 

Violations : FCRA 611 Failure to conduct reasonable reinvestigation.

FCRA 611 ( a ) ( 2 ) Failure to forward all relevant information I provided.

Metro 2 Improperly restarting the 30-day timeline for reinvestigation.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, a company called XXXX XXXX XXXX XXXX XXXX  made over {$91000.00} in unauthorized withdrawals from my Chase business checking account through XXXX XXXX XXXX. I never authorized this company to do any of this, and never knowingly approved them as a merchant, and never consented to recurring charges. These were fraudulent withdrawals. 

On XXXX/XXXX/XXXX, I filed a fraud dispute with Chase. I was initially told the matter would be resolved easily and not to worry since I was emotionally distraught. I was calmed down by the representative and assured to not worry. Instead, Chase closed my claim without any real investigation, without explanation, and without providing any written notice. Despite the obvious pattern of unauthorized withdrawals totaling nearly six figures! Chase has failed in its duty to protect my account and to investigate in good faith. 

I know for sure said companies will not have me as customer if they conduct a real investigation. When I spoke to a rep today they told me they never spoke to anyone at XXXX at all. they just closed the claim. So horrible I am in financial ruin and I plan to file a lawsuit if needed because Chase should not treat customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is still the same problem that I have been attempting to resolve with them for over a year. The last complaint was filed with CFPB on XX/XX/XXXX and XX/XX/XXXX. Capital One Bank has not responded to my complaint. I can not get assistance at the branch because the state " Credit Cards are not handled at the branch and I have to contact the customer service number. 
However, after many phone calls lasting at least an hour, they do not know what to do or even whom to contact. 
Can you please ask them to respond to my complaint, as they have not or unwilling to so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WV

Complaint narrative:
New car loan fell behind and tried calling to work something out with them. They said they couldnt because it was a new loan and theyve been harassing me calling me afternoon and in the morning hours twice a day when Im trying to make payment arrangements, they tell me that its not good they need full payment not partial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
XX/XX/year>, I submitted an FTC Identity Theft Report, a copy of my drivers license, and a utility bill to Transunion to block fraudulent accounts and inquiries under the Fair Credit Reporting Act ( FCRA 605B ). Despite providing the required documents, Transunion refused to block the accounts and instead sent me a stall letter demanding additional documents and law enforcement confirmation that is not required by law. 

This delay has harmed me by allowing inaccurate and fraudulent information to remain on my credit report. I have complied with the legal requirements under the FCRA by submitting an FTC Identity Theft Report and proof of identity, yet Transunion is failing to honor its obligation to block the disputed accounts within 4 business days as required.

I am requesting the CFPBs assistance in compelling Transunion to immediately comply with the FCRA by blocking the fraudulent information, removing the accounts, and preventing further harm to my credit profile.

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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I requested proof/ validation from Jefferson capitol , from a debt that was sold by XXXX XXXX XXXX, they sent me a letter stating that would stop all debt request, because supposedly they could not validate the debt from the original debt holder, but its still showing up on my credit report by XXXX XXXX XXXX, but they are not validating the debt which is in inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

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 2025-09-10 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Pending Charge on my account on XX/XX/year> for {$780.00} XXXX XXXX XXXX XXXX XXXX, final charges from XXXX XXXXXXXXXXXX XXXX XXXX  XXXX were complete on XX/XX/year> for {$670.00}. On XXXX XXXX, where my unemployment checks are received with the XXXXXXXX XXXX XXXX I spoke with the hotel twice and they stated they have released the hold on the funds for the pending charge they hotel stated that the bank needs to make the change on my account. When I spoke with the bank on XX/XX/year> and on XX/XX/year>. They stated that the hotel has not released the funds and need to send a letter stating that the funds are released. My account is overdrawn for {$670.00} because of the XXXX charges.

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 2025-09-10 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: AZ

Complaint narrative:
I have disputed inaccurate and unverifiable information with the credit bureaus ( Experian, Equifax, and TransUnion ). Despite submitting documentation and requesting verification, the bureaus have failed to properly investigate. The incorrect information still remains on my credit report, including accounts that are not mine, contain wrong dates or balances, or are past the statute of limitations. The credit bureaus have not provided proof of verification.

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 2025-09-10 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: AZ

Complaint narrative:
I have disputed inaccurate and unverifiable information with the credit bureaus ( Experian, Equifax, and TransUnion ). Despite submitting documentation and requesting verification, the bureaus have failed to properly investigate. The incorrect information still remains on my credit report, including accounts that are not mine, contain wrong dates or balances, or are past the statute of limitations. The credit bureaus have not provided proof of verification.

Company response to consumer: Closed with explanation