vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-12-04 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: DC

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent capital services continuously is contact me for alleged debt that i have sent certified mail to not only ask for in-depth verdicatiom but also the allege debt is from XXXX  i have ask to have this removed and verify that is has need removed from my credit report also cease all communication about this alleged debt Under N.J.S.A. 2A:14-1

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am filing this complaint about XXXX XXXX and their collection agency, The CBE Group. The debt they are trying to collect is not accurate because it is the result of misrepresentation and billing errors. 

I purchased a device from a XXXX store ( an authorized XXXX retailer ) in XXXX, California. During this purchase, the XXXX representative clearly told me that after two years of payments, I could cancel my device agreement with no penalty and would not owe the remaining balance. I trusted this information because at that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under extreme emotional stress. 

I made about two years of on-time payments. Later, XXXX told me the XXXX stores promise was incorrect and that I still had to pay the full remaining balance immediately. XXXX refused to set up a payment plan and did not give me a clear explanation of the debt. 

Without proper notice, XXXX sent my account to The CBE Group, which has been calling me. I do not XXXX  XXXX well, and they do not provide an XXXX XXXX XXXX XXXX, which makes communication very difficult. I also did not receive proper written notification of this debt before it was sent to collections. 

Because of this situation, my credit score dropped from around XXXX to around XXXX, which has caused serious hardship. I believe this debt is not valid because it was created through misrepresentation, incorrect billing, and a lack of proper communication. 

I am requesting that XXXX : XXXX. Recall the debt from The CBE Group immediately. 
2. Investigate the misrepresentation by the XXXX store. 
3. Adjust or forgive the remaining balance based on the false information I was given.

4. Remove any negative credit reporting related to this disputed debt.

5. Communicate with me in writing only, because I can not understand complex phone calls in XXXX. 

I can provide bills and documents if needed. I am simply asking for a fair resolution and for my credit to be restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: BMW Financial Services NA, LLC
State: PR

Complaint narrative:
BMW Financial services provided me false information regarding their credit reporting rules. They indicated that they did not report late payments until accounts are 60 days late. The call was recorded and they have record of this on my file. Ive attempted to fix this directly with them 3 times with no luck or update. I want this fixed and updated. They tanked my credit XXXX points over misinformation provided by their own reps. This is abuse of power and a violation of the FCRA and consumer protection laws. They are aware of the presence of this call and confirmed that this was in fact said to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: U.S. BANCORP
State: MI

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, th ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

ELAN FINANCIAL SERVICE Account 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 non-monetary relief
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-04 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-04 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: AR

Complaint narrative:
I am following up regarding previously disputed inaccurate, conflicting, and unverified accounts appearing on my credit reports with TransUnion, Experian, and Equifax that remain unresolved. The reports continue to show XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, with a reported balance of {$10000.00}, a last payment of XX/XX/XXXX, and a XXXX late payment notation. This account contains inconsistent dates, missing or unverified Dates of First Delinquency, erroneous late payment codes, and reporting practices that misrepresent my actual payment history and account status, violating the FCRA, FDCPA, and the Fair Credit Billing Act. These unresolved inaccuracies continue to cause stress, confusion, and potential financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is a suspected wire transfer fraud/major banking error case involving {$260000.00}. XXXX tracking shows the funds arrived at Wells Fargo, and the remitting bank verbally confirmed receipt, but the legitimate recipient vehemently denies receiving them.

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 2025-12-04 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: CA

Complaint narrative:
Ask company ( XXXX XXXX ) to remove information from my report and the company said they would, and the in the same dispute said they didn't have the proper account number and they had no records of the account even tho they sent me a letter and I included to the cfpb. Also see attached items ( letter from XXXX XXXX, my Id 's CFPB complaint )

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 2025-12-04 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: CL Holdings LLC
State: CA

Complaint narrative:
Ask company ( Jefferson Capital ) to remove information from my report and the company said they would, and the in the same dispute said they didn't have the proper account number and they had no records of the account even tho they sent me a letter and I included to the cfpb. Also see attached items ( letter from jefferson Capital, my Id 's CFPB complaint )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit Acceptance Corporation False Reporting, Duplicate Reporting, PostRepossession Late Payments, and FCRA Violations This complaint is being filed against Credit Acceptance Corporation for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Reporting late payments AFTER the vehicle was voluntarily surrendered. 
Reporting incorrect Open/Closed statuses on the account. 
Reporting XXXX separate Credit Acceptance auto loan accounts with contradictory information.

Reporting inaccurate Date of First Delinquency ( DOFD ).

Reporting contradicting balances and payment histories.

Failure to provide validation or contracts upon request.

Duplicate reporting designed to damage creditworthiness.

Continuing to report derogatory information without proper investigation.

These violations fall under FCRA : 602 Reasonable Procedures for Fairness and Accuracy 607 ( b ) Maximum Possible Accuracy 609 ( a ) ( 1 ) ( A ) Right to Documentation 609 ( b ) Validation Requirements 611 Duty to Investigate

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App suddenly restricted and closed my account without warning on XX/XX/year>, the day before XXXX, and failed to release my government benefit direct deposit that arrived that same morning. They XXXX my access, left the account unsecured long enough for my remaining balance to be spent without my authorization, denied past legitimate fraud disputes, and refused to provide any explanation, documentation, or law-required notices under Regulation E. Despite repeated contacts and a formal demand for records, support provided only scripted responses, admitted they had no visibility into the closure, and ignored my request for investigation logs and compliance data. I was left with no funds to feed my family for the holiday, no access to my benefits, and ongoing financial harm. I am requesting full investigation, release or reimbursement of withheld/unauthorized funds, required documentation, and remedial action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Be advised, this is not a refusal to oay, but a notice sent pursuant to the Fair Debt Collection Practices Act. 1S USC 1692e Sec. 809 ( b ) that XXXX XXXX is disouted and validation is requested. 
This is NOt a request for " veritication or proot of my XXXX address, but a request for VAUDATION made ouruant to the XXXX named XXXX and XXXX XXXX XXXX * your oftice provide me with competent evidence that I have any legal obligation to pay vou Please provide me with the following : What the money you say l owe is for Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owes Provide a verification or copy of any judgment if applicable ; identity the XXXX creditor Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX  ), said axtion might constitute fraud under both XXXX and XXXX laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against Violation of the Fair Credit Reporting Aet : Violation of the Fair Cheat Collection Practies Act Defamation of Character XXXX davs to investigate this information and durine such time all collection activity must cease Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as If your offices fail to respond to this validation request within 30 days from the date of your receipt, all rererences to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also lise to request, in wrang, that no terepnone conter be made by your ottices to my home, my cell phone or to my place of employment. If your offices attempt telephone communkation with me, including but nos limked to computer generated calls XXXX XXXX sent to any third parties, it will be considered harassment and I will have no choice but to file suit. You also XXXX not communicate with me by e-mail. All future communications with me MuSt be done in writine and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a lot of unauthorized fraudulent inquires on my credit report.

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 2025-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Subject : Vehicle Selection Timeline and Return Request To Whom It May Concern, I am writing to provide a clear timeline and documentation regarding the issues with the vehicle I purchased on XX/XX/year>, and the subsequent request for return under your stated XXXX return policy. 
XXXX of Events Wednesday, XX/XX/year> I finalized the deal with representative, XXXX, after being verbally assured that returning the vehicle ( if necessary ) would cost only {$800.00} in shipping. Although this was not ideal, we considered it reasonable given the cost comparison of traveling to pick up the vehicle ourselves. 
Between XX/XX/XXXX XX/XX/year> We were informed the vehicle had to be shipped within this window. However, we were never given confirmation of the actual shipping date. The vehicle was ultimately received on Friday, XX/XX/year>. 
Friday, XX/XX/year> Upon delivery, the vehicle arrived in unsatisfactory condition. Specifically : It was not cleaned or fueled. 
It had damages we had not been made aware of. 
The {$1200.00} pre-delivery fee we were charged was not honored, as the promised services were not completed. 
I immediately contacted XXXX, who had taken over the transaction from XXXX, to express my concerns. Out of fairness, we kept the car through the weekend to see if it might suit my wife. 
Unfortunately, it did not. 
Monday, XX/XX/year> I contacted XXXX again to formally request a return of the vehicle. This was within the XXXX return window. 
Additional Notes This vehicle was selected online and never inspected in person prior to purchase, making the misrepresentations and delivery condition particularly concerning. 
Conclusion Based on the above, I respectfully request that our down payment be returned in accordance with the dealerships stated return policy. The circumstances outlined demonstrate that we acted in good faith and within the required timeframe, while the dealership failed to uphold the quality and assurances promised at the time of sale.

Company response to consumer: Closed with explanation