vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Received a call from my bank from their caller id on XX/XX/XXXX at XXXX Turns out it was a scammer who directed me to follow instructions making me believe they were helping me switch to some sort of new card so they monitor my account better dude to me having to switch my debit card 3 times in the past 4 months I believed the scam and they successfully took XXXX $ my whole paycheck while making me believe they were with my bank and willing to help me.

It was my mistake in doing things through the company cash app but sadly the person over the phone was so believable and it was my first time being scammed I reached out to cash app and they did an investigation coming back with saying they see nothing wrong because I was the one who was guided through the transaction now Im falling behind in my payments and bills with no hope on being able to retrieve and of it back so this seems to be my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SinglePoint GI
State: MI

Complaint narrative:
XXXX XXXX XXXX My elderly parents who are both sickly keeps getting called about this debt from XXXX or thereabouts. 
I have not received any billing of the original debt, only calls that recently started, my father said he received the first call about a year ago. 
They told my XXXX father on XX/XX/XXXX I would get arrested if I didn't pay it right away. 
They will not give me an address to mail cease and desist letter. 
I spoke with a XXXX XXXX on XX/XX/XXXX who informed me they would not harass my parents as long as I paid the debt off. 
I don't want my parents called for anything, they are elderly and I consider it elder abuse by them putting that stress and duress on elderly sick people. 
They told me the Department of Labor would start garnishment against my XXXX payments. 
They indicated they are working in collaboration with the Department of Labor. 
Last year they told me someone was on their way to my home to serve me court papers, they never showed up and I have yet to see the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Account XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. XXXX XXXX has a collection agency texting my personal cellular device over 10 times a day which is inappropriate. Did not give capital one the consent of sending my number out to text my personal cellular device over excessively. Please delete account # XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action. This is not my account and was done in fraud, this account and capital one was done in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to the drive through to deposit my checks. There they told me they couldnt because the computer wouldn't allow it. I in turn went inside and sat down with XXXX XXXX a banker. She informed me they were shutting down all Of my accounts due to " No Permanent Address. '' I explained that I had been a customert since XXXX  and they had been sending debit cards to both my P.O. & the post offices physical mailbox for years. Now that I'm displaced their deleting me. I asked if I could do something to change their minds and all I got was if I could bring a signed lease in within the next 15 min they could Try to save my accounts. 
My accounts were closed after having been a loyal client of theirs since XXXX. 
I also explained i was still displaced due to hurricanes XXXXXXXX XXXX XXXXXXXX and was waiting on FEMA to help find temporary housing. They didnt care one tiny little bit. " Not their problem " is what i was told. Can you help me? This has got to be discrimination. Just has to be. I have no way to. Cash any checks nor pay any bills. What do I due when FEMA tries to direct deposit me a check?! Please help....

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a Citi credit card for over 10 years. Approximately three years ago, the account was closed by Citi without clear explanation. I had never missed a payment, maintained regular usage, and kept my credit in good standing. 

Recently, I reapplied for a new Citi credit card. My credit remains strong, yet I was denied. When I called to inquire, I was told the denial was due to account performance related to the previously closed account no further details were provided. 

Im concerned that I have been unfairly flagged or blacklisted, despite a responsible credit history. This lack of transparency and inability to obtain a fair review feels unjust. I am requesting that Citi provide a clear explanation and allow my application to be considered based on my current creditworthiness.

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 2025-06-26 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: IL

Complaint narrative:
As for when you file the CFPB complaint for the late payments. I want you to put this in the COMPLAINT section 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I previously had a line of credit through Capital One. I was up to date on my payments at the time my line of credit was closed by the company. When I reached out to inquire as to why, they stated that it was because I had made late or missed a payment in the past. To reiterate, I was UP TO DATE on my payments, and Capital One closed my account due to previous late/missed payments. Because of this, I now have negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
The delinquent payment shown on my credit report ( XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX thu XX/XX/XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. ( Add the late payment period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
The delinquent payment shown on my credit report ( XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX thu XX/XX/XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. ( Add the late payment period

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to formally dispute a credit card balance of {$1400.00} currently reported. 

The reported balance appears to include fees that were either miscalculated or applied in error, and I have attached copies of my monthly statements and prior correspondence that support my claim. 

Although I understand the importance of maintaining accurate records, I respectfully request a goodwill adjustment. This balance has negatively impacted my credit report, and I have worked diligently to improve my financial standing by consistently making on-time payments and reducing my overall debt load. 

As someone who values a responsible credit history and maintains a positive relationship with your institution, I kindly ask that you consider removing this account from my credit report as a gesture of goodwill. I believe this action would reflect the proactive steps I've taken toward financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Entry XXXX XXXX XXXX Account Ending in XXXX Dear Credit Bureau Compliance Department, This is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i regarding an inaccurate and damaging entry listed on my credit report : * Creditor Name : XXXX XXXX XXXX * Account Number XXXX * Disputed Item Type : Charge-Off I am requesting an immediate investigation of this item, which I believe to be inaccurate, incomplete, and unverifiable. 
Grounds for Dispute ( FCRA & FDCPA Based ) : 1. 15 U.S.C. 1681s-2 ( b ) : The data furnisher must investigate disputed information upon notice from a CRA. XXXX XXXX XXXX has not verified the accuracy of this listing with proper documentation. 
2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I dispute the accuracy of the charge-off, and the credit reporting agencies are required to reinvestigate and delete or correct the item within 30 days.

3. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Continuing to report unverifiable or incorrect information violates this obligation.

4. 15 U.S.C. 1692g ( FDCPA ) : As the debt was not validated upon my prior request ( if applicable ), it should not be reported.

XXXXE-OSCAR CODES APPLICABLE ( Included for Automation Processing ) : * Code 001 : Not his/hers * Code 103 : Claims account closed * Code 106 : Claims inaccurate information * Code 112 : Claims account paid in full * Code 118 : Claims company will change/remove * Code 202 : Account included in bankruptcy ( if applicable ) * Code 203 : Re-aged account ( if relevant ) Action Requested : I am formally demanding that this charge-off from XXXX XXXX XXXX be : Deleted or updated to reflect accurate and verifiable informationIf verified, provide all supporting documentation, including : * The original signed contract * Payment history * Details regarding charge-off status and accounting * Chain of custody if debt was sold If XXXX XXXX XXXX is unable to provide full documentation verifying this debt , then you are required by law to delete this entry from my credit report. 

Notice of Legal Rights : If this item is not verified within the 30-day investigation window, or if it is reinserted without proper certification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or pursue legal action.

Thank you for your prompt attention to this matter. Please provide confirmation in writing of the results of your reinvestigation. 
Sincerely, [ 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 2025-06-26 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: Klarna AB
State: MA

Complaint narrative:
On XX/XX/year>, I used Klarnas one-time card to make a {$150.00} purchase from XXXX XXXX  ( Transaction ID : XXXX ). 

Klarna confirmed that XXXX XXXX authorized the payment, and Klarna generated the invoice. However, the item was never delivered. 

Klarna told me to contact XXXX XXXX directly, which I did multiple times by email. XXXX XXXX stopped responding, and Klarna closed my dispute even though the issue was not resolved. They said they can not contact XXXX XXXX. 

This situation has caused me a lot of emotional stress and XXXX. Ive spent weeks emailing, calling, and chasing both companies. I even got written up at work for being on my phone too much trying to fix this.

Klarna is still charging me for a product I never received. I feel trapped between two companies one took the money, the other refuses to help.

I am requesting a full refund and for Klarna to take full responsibility and resolve this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
LVNV FUNDING LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
This letter shall serve as my official notice of dispute and demand for immediate corrective action concerning multiple inaccurately reported and/or reinserted accounts appearing in my consumer credit file maintained by your organization.

Upon reviewing my report, I discovered the following accounts being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) and the Metro 2 Data Field Reporting Guidelines as required by the XXXX XXXX XXXX XXXX ( XXXX ). 

Let me be clear : If you continue to ignore this demand and fail to comply with FCRA, FCBA, ECOA, and applicable state reporting laws, this letter shall be treated as my formal pre-litigation notice prior to petitioning for a writ of review in civil court. 

Reinserted or Inadequately Verified Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations Noted : Failure to Provide 5-Day Reinsertion Notice As per FCRA 611 ( a ) ( 5 ) ( B ), any previously deleted item can not legally be reinserted without written notice within five ( 5 ) business days. I have not received such notice. If reinsertion occurred without it, this is a willful violation.

Lack of Permissible Purpose & Verification Under FCRA 604 ( a ) and 607 ( b ), you are required to ensure every reported account is accurate and legally verifiable. You have not provided any documented evidence supporting the legal accuracy or completeness of these entries.

Metro 2 & XXXX Reporting Violations The reporting format and field population appear inconsistent with Metro 2 standards for compliance. This undermines the integrity of your reporting, which may be construed as negligence or willful non-compliance.

Action Demanded : DELETE all accounts listed above that lack proper verification or were reinserted unlawfully.

Mail a physical copy of the results of your reinvestigation, including a copy of my full updated credit report, to the address listed above.

Provide all supporting documentation used to verify these accounts, including contracts, signatures, billing statements, or any instrument showing consumer liability and permissible use.

Final Warning : Failure to comply within the 30-day reinvestigation window required under FCRA 611 ( a ) ( 1 ) ( A ) will result in formal complaints being filed with the CFPB, FTC, and my State Attorney General, as well as civil litigation for statutory and punitive damages under FCRA 616 and 617 for willful and negligent noncompliance.

I expect a timely, complete, and lawful response.

Company response to consumer: Closed with non-monetary relief