vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to the credit bureau and/or debt collector requesting full validation of an alleged debt account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to receive proper documentation validating the debt before it can legally remain on my credit file. 



I specifically requested the following : A copy of the original signed contract or agreement bearing my signature A full accounting of the debt, including itemized statements or billing history Proof of ownership and legal right to collect and report the debt ( chain of custody from original creditor to the current XXXX ) Documentation of authorization to report this debt to any credit bureau The company failed to provide any of this information within the timeframe required by law. Despite their failure to validate the debt, they continue to report it to the credit bureaus, causing harm to my credit profile and violating my consumer rights. 



I am requesting immediate investigation and removal of the unverified debt from my credit report. Continuing to report unverifiable or inaccurate accounts is a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently got a copy of my report and noticed multiple accounts that 1 do not belong to me and are reporting, and 2 hurting my chances of moving forward.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( s ) are being reported inaccurately : Account Name : DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : DP OF EDUC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Late Payments and Hard Inquiries under 15 U.S.C. 1681i ( b ) ( c ) & 15 U.S.C. 1666 To Whom It May Concern, This letter is a formal dispute of inaccurate and unauthorized information listed on my TransUnion credit report, File Number : XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( b ) and ( c ) ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I demand that you immediately investigate and remove the following : These accounts are inaccurately reported as past due, when they were either paid on time, paid under hardship, or were not my responsibility : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Listed as 90 days late ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as 30 days late ( XX/XX/XXXX ) XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX Listed as 30 days late ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Listed as 90 days late ( XX/XX/XXXX ) These negative marks are materially damaging and misrepresent the payment history. I request you conduct a full reinvestigation and remove these entries if the data furnisher fails to provide documented proof within 30 days as required by law. 
also dispute the following hard inquiries, which I did not authorize, consent to, or initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX multiple entries not initiated by me Under 15 U.S.C. 1681b ( c ), no hard inquiry may be included on a consumer report unless the consumer has authorized it. These inquiries were made without my consent and therefore violate federal law. Please remove them from my report immediately.

I am requesting the results of this reinvestigation be sent to me in writing within 30 days, as outlined by 15 U.S.C. 1681i ( a ). Please include an updated copy of my credit report reflecting the deletions.

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Late Payments and Hard Inquiries under 15 U.S.C. 1681i ( b ) ( c ) & 15 U.S.C. 1666 To Whom It May Concern, This letter is a formal dispute of inaccurate and unauthorized information listed on my TransUnion credit report, File Number : XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( b ) and ( c ) ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I demand that you immediately investigate and remove the following : These accounts are inaccurately reported as past due, when they were either paid on time, paid under hardship, or were not my responsibility : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Listed as 90 days late ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as 30 days late ( XX/XX/XXXX ) XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX Listed as 30 days late ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Listed as 90 days late ( XX/XX/XXXX ) These negative marks are materially damaging and misrepresent the payment history. I request you conduct a full reinvestigation and remove these entries if the data furnisher fails to provide documented proof within 30 days as required by law. 
also dispute the following hard inquiries, which I did not authorize, consent to, or initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX multiple entries not initiated by me Under 15 U.S.C. 1681b ( c ), no hard inquiry may be included on a consumer report unless the consumer has authorized it. These inquiries were made without my consent and therefore violate federal law. Please remove them from my report immediately.

I am requesting the results of this reinvestigation be sent to me in writing within 30 days, as outlined by 15 U.S.C. 1681i ( a ). Please include an updated copy of my credit report reflecting the deletions.

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I am submitting this complaint to report Capital One for violating my rights under the Fair Credit Reporting Act ( FCRA ) and engaging in unfair and deceptive practices. They have reported a charge-off for Account # XXXX without providing me with proper verification or documentation to substantiate the debt. Furthermore, they failed to issue a Form 1099-C for the written-off amount, as required when a debt is canceled or discharged for tax purposes. 

Capital One also violated 15 U.S.C. 1681s-2 ( a ) ( 7 ) by failing to notify me before or within 30 days after reporting the negative information to the credit reporting agencies. This omission deprived me of the opportunity to resolve or dispute the matter beforehand. I request that the CFPB investigate this matter and compel Capital One to remove the inaccurate and unverified charge-off from my credit file and ensure their compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX HAS ENGAGED IN FRAUDULENT PRACTICES. THEY SOLD AN ALLEGED DEBT TO XXXX XXXX XXXX FOR UNRETURNED EQUIPMENT. I RECEIVED A LETTER FROM XXXX XXXX XXXX IN XX/XX/2025 ADVISING THE DEBT WAS RESOLVED AND REMOVED FROM MY CREDIT FILES. XXXX XXXX XXXX SECURES CREDENCE RESOURCE MANAGEMENT LLC TO ATTEMPT TO RECOLLECT ON THE ALLEGED DEBT THAT WAS RESOLVED BY XXXX XXXX XXXX. THEY ARE ALSO ATTEMPTING TO COLLECT A DIFFERENT AMOUNT THAN ORIGINALLY CLAIMED. I RETURNED THEIR EQUIPMENT AT A XXXX FACILITY. I HAVE NO IDEA WHAT HAPPENED AFTER THAT. IT WAS IN THE CARE, CUSTODY, AND CONTROL OF THE UPS FACILITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, In XXXX, I entered into an internet service agreement with XXXX at the address XXXX XXXX XXXX, XXXX, XXXX  XXXX. Per the terms of the agreement, I was provided with two weeks of free internet service, after which regular monthly payments were scheduled to begin starting from the fourth week. 

The service was installed and used for the initial two weeks. However, during this period, Hurricane Milton struck the area and caused a complete outage of all utilities at my home, including electricity. As a result, continued residence at that location became impossible, and I was forced to relocate to another residence. 

I promptly removed the equipment and returned it to XXXX within the contractually allowed timeframe of three weeks. I also called XXXX  customer service multiple times to inform them that I could no longer use the service, as I had moved, and requested that the contract be canceled. 

Despite this, I have since started receiving notices from a debt collection agency, Credit Collection Services, claiming that I owe {$220.00} for XXXX services. 

I firmly dispute this charge for the following reasons : I did not use the internet service beyond the free trial period ; I returned the equipment on time, as required by the agreement; I officially notified XXXX  of my relocation and the need to terminate the service. 

I believe this debt is invalid and any attempts to collect it are unjustified. I respectfully request that this matter be investigated, the charge be dismissed, and all collection activities against me cease immediately. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: SC

Complaint narrative:
I had cash app do my taxes and then closed my account and then would not let me even get my taxes records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GB Collects, LLC
State: FL

Complaint narrative:
To Whom It May Concern : I am filing this complaint regarding a voicemail left on my personal cell phone by a debt collector identifying themselves as XXXX from GB Collects. The message was received on XX/XX/XXXX XXXX  XXXX and referenced an alleged debt with a company called XXXX. 

The voicemail began by stating : By continuing to listen to this message, you agree that you are XXXX XXXX. This call is an attempt to collect a debt, and any information obtained will be used for that purpose It further stated : If you are not XXXX XXXX, hang up now This message was left as a recorded voicemail, and I strongly believe this may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : Unauthorized Disclosure to Third Parties : Voicemails can be accessed by individuals other than the intended recipient, and this message contained debt-related details, the name of the creditor, and identified me by name. The hang up if this isnt you disclaimer does not mitigate that exposure. 

Deceptive or Coercive Language : The message stated that by merely listening, I consent to identification as XXXX XXXX. This is misleading, coercive, and not a valid method of obtaining consent under federal law. 

Failure to Protect My Privacy : The voicemail discloses the purpose of the call ( debt collection ) in a way that could be overheard or accessed by third parties, exposing me to embarrassment, reputational harm, and emotional distress. 

I am requesting that this communication be investigated and that appropriate action be taken against GB Collects for this potential violation. I also request that all further communication from this agency be made in writing only, and that no future voicemails be left without confirmed direct contact. 

Please advise me of any additional steps I should take to formally resolve or escalate this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello this card has XXXX credit limit but showing 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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Credit card was paid off, and closed in XX/XX/year>. 
Since then there is a credit balance on the card that they owe me. I reached out 7 times to customer service they told me 20 days they would send me the credit balance. Its been 60 days and they still have not sent me the credit balance from my over payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year>, I sent Jefferson Capital a formal dispute letter challenging the validity of an alleged debt originating from XXXX XXXX  XXXX, for the amount of {$290.00} ( Account No. XXXX/ XXXX XXXX XXXX. XXXX ). I requested verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including a copy of the original signed contract and full account history. I also requested that all collection efforts cease until validation was provided. 

As of today 's date, XX/XX/year>, no response has been received, and collection efforts have persisted. No documentation was provided within the required 30-day window. This inaction violates consumer protections under both the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I am now seeking formal intervention to have the debt removed from all records and reporting systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I voluntarily turned vehicle back in. I was told it would be sold at auction and I would owe remaining balance. I never received any documentation or confirmation the vehicle was sold. Only the company keep trying to collect a higher balance that vehicle is worth or that I originally paid for it. Without explanation and reporting inaccurate information on my credit report. After they has changed off the debt.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to formally exercise my rights under 12 CFR Part 1016 Privacy of Consumer Financial Information ( Regulation P ). 



As a consumer, I have the legal right to limit how my nonpublic personal information is shared. Regulation P requires your institution to notify me of your privacy practices and gives me the right to opt out of having my personal financial information shared with non-affiliated third parties. 



At this time, I am exercising my right to opt out of all non-essential and unauthorized third-party sharing of my personal information. Furthermore, if any account or loan associated with me was reported to credit bureaus without my proper authorization or in violation of privacy rights under Regulation P, I am requesting that it be immediately discharged, removed from my credit report, and any further reporting be ceased. 



Please provide the following : Written confirmation that you received and honored my opt-out request. 
Details of any third parties my personal information was shared with. 
Documentation showing my authorization for any such sharing ( if it exists ). 
Confirmation that the account has been removed or flagged for removal/discharge from all credit reporting agencies. 




If my nonpublic personal information was shared or used in a way that violates Regulation P, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 



Please respond to this request within 30 days from the date of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo Bank , N.A . 
Issue : Incorrect information on credit report account already paid or closed Submitted By : [ Your Full Name ] Date of Incident : XX/XX/XXXX I am writing regarding a WFBNA credit card account that appears on my credit report. This account was opened on XX/XX/XXXX, with a highest balance of {$510.00}. The account was charged off in XX/XX/XXXX, but I later paid the account in full as part of a settlement agreement. 

My credit report now reflects a {$0.00} balance with the status : {$510.00} written off and paid in settlement. 

I understand that charge-offs may remain on a credit file for up to 7 years. However, I am respectfully requesting Wells Fargo Bank , N.A . to consider a goodwill removal of this negative entry. I have taken full responsibility for resolving the debt and am working hard to rebuild my financial standing.

This charge-off is having a disproportionate negative impact on my credit profile, especially since the account is fully resolved and the balance is {$0.00}. I am not disputing the accuracy of the account, only asking for a goodwill-based removal of the negative reporting as a one-time courtesy.

I kindly ask the CFPB to assist in facilitating this request or to encourage WFBNA to review this matter as part of their consumer care practices.

Thank you for your time and consideration.

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