vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Incorrect information on my credit report What Happened : I paid multiple collection accounts in full and received confirmation letters from the collection agencies stating that the debts were resolved and that my credit report would be updated. Despite this, the original creditors are still reporting these accounts as charge-offs on my credit report. 

I have contacted the credit bureaus ( XXXX XXXX XXXX  ) multiple times and provided proof of payment, yet the negative charge-off status remains. I also contacted the original creditors and/or collection agencies, who either confirmed payment or assured me verbally or in writing that the accounts would be updated or removed. This has not happened. 

These accounts continue to negatively affect my credit despite being paid and closed. I believe this is an inaccurate representation of my credit history and is unfairly damaging my creditworthiness. 

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-06 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: OH

Complaint narrative:
I sent a certified letter to Capital One Auto Finance on XXXX XXXX XXXX, received by them on XXXX XXXX XXXX ( USPS Tracking # : XXXX ). My letter was a lawful demand for debt validation and verification under FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 1692g ( b ).

The letter included questions related to securitization, UCC compliance, and verification of alleged indebtedness. Capital One has failed to respond or acknowledge this letter after more than 30 days, which constitutes a violation of federal law and a dishonor by silence under UCC 3-501.

In addition, my consumer credit report indicates that this account was marked as Profit and Loss Write-Off a charge-off which under 26 U.S. Code 6050P indicates cancellation of indebtedness. If the debt was canceled, the creditor was required to issue a 1099-C and is barred from continuing collection or reporting a balance.

However, Capital One continues to report that I owe {$9600.00}, which is false, misleading, and a direct violation of FCRA, FDCPA, and IRS code 6050P.

Their continued reporting of a canceled debt as owed has negatively affected my creditworthiness, access to housing, employment opportunities, and fair lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 2025-07-06 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: FL

Complaint narrative:
On XXXX, in XXXX XXXX XXXX XXXX XXXX, the court ruled that only {$2300.00} was validly owed on this XXXX account, not the {$11000.00} balance originally claimed. That amount has since been paid in full, so there should be no balance showing on this account. Despite this, TransUnion is reporting an {$8900.00} balance and a charge-off for that amount. This reporting is inaccurate and violates the FCRA requirement to ensure all information is complete and correct. I am requesting that TransUnion delete the tradeline entirely if XXXX can not verify and furnish accurate reporting.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
Ive been trying to gain access to use my cash app account and its been closed but I dont know the reasoning or what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
They are study reporting it to the XXXX credit bureaus as if it's my I have proof that is not consistent with other critical agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
They are study reporting it to the XXXX credit bureaus as if it's my I have proof that is not consistent with other critical agencies

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 2025-07-06 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: FL

Complaint narrative:
In reference to case XXXX. You did not remove all inquiries listed on my FTC ID theft report you only removed XXXX of XXXX that I listed. The inquiry that was not removed : XXXX XX/XX/year>

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 2025-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Subject : Formal Complaint and Request for Assistance Regarding a Re-Aged Debt Reported in Error To Whom It May Concern, I am writing to formally dispute and request assistance regarding a collection account reported by Credit Management Company that should no longer be active or collectible. 

Over a year ago, I fully settled this debt through a different collection agency, XXXX XXXX XXXX ( XXXX ), under a pay-for-delete agreement. I possess all legal documentation, including the signed settlement agreement and proof of payment, which clearly confirm that XXXX agreed to remove the account from my credit report upon payment. 

Despite this, Credit Management Company has recently contacted me about the same debt, and has now reported it to TransUnion and Equifax, which has had a severe and unjustified negative impact on my credit score.

I took the following steps to resolve this matter : Contacted Credit Management Company, but they were uncooperative and dismissive. Each time I referenced my legal documentation, they would end the call abruptly and refuse to process a dispute. 

Disputed the account with Equifax twice, providing all supporting documentation. Both disputes were denied, with no clear explanation. I am still awaiting a response from TransUnion. 

Contacted XXXX XXXX XXXX, who confirmed that the debt was settled and should not have been re-sold or re-reported. 

Contacted the original creditor, who stated the debt was no longer with them and offered no further assistance. 

At this point, I have exhausted all reasonable avenues to resolve this error. I am requesting your assistance to help : Remove this invalid collection account from my credit reports with TransUnion and Equifax.

Hold Credit Management Company accountable for reporting a settled debt and refusing to acknowledge my documentation. 

Ensure this account is not sold or reported again in the future. 

Please find attached all relevant documentation, including the original settlement agreement, proof of payment, and prior dispute attempts. 

I appreciate your time and attention to this matter, and I respectfully request your help in resolving this as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Theres a debt to national credit adjusters for {$310.00}. I have never sent a contract with these people nor have I ever had a day of that amount that I have owed. I have requested proof that that belongs to me and was only provided with proof that they had my name and current address. I have tried to go online just to pay the XXXX but once I go on there, they tried to charge me over {$900.00} without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
b'please see supporting documentation pertaining to XXXX  data breach'

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 2025-07-06 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( XXXX  ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-06 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: CA

Complaint narrative:
I disputed an inaccurate XXXX XXXX account ( ending in * XXXX ) with XXXX  multiple times between XXXX and XX/XX/year>. My most recent dispute was sent on XX/XX/XXXX, and on XX/XX/XXXX, I mailed a Method of Verification ( XXXX  ) letter requesting proof of how XXXX  verified the information and what documentation the furnisher provided. 

XXXX  marked the account as verified the very next day ( XX/XX/XXXX ), which strongly suggests no reasonable investigation took place. Then on XX/XX/XXXX, I received a letter from XXXX  stating that they would no longer investigate the account, labeling my disputes as frivolous even though I included updated documentation and clearly stated my concerns, including inconsistent payment history, unclear last payment dates, and inaccurate balance reporting after a repossession. 

Attached is a detailed timeline of all my disputes and communications, XXXX stall letter, MOV request, and current credit report pages showing : Conflicting payment dates and balances Inaccurate historical data and amounts past due A repossessed vehicle still showing a high balance despite surrender I am requesting that the CFPB compel XXXX  to conduct a real investigation and delete or correct the inaccurate data. I also request that XXXX XXXX provide documentation verifying their right to report and the accuracy of this information. Their continued reporting is harmful and not properly validated. 

This is a clear violation of FCRA XXXX USC XXXX ( a ) and XXXX ( b ).

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I checked for my eligibility for a Capital One credit card but was declined. I check on XXXX XXXX, and my credit score reduced significantly. After looking into it further, I got a hard inquiry on XX/XX/year>. This was not done by me. I attempted to create am account for Capital One and it stated that I already had an account. I attempted to log into the account, and it requested me to verify my account by a text message or email. The number and email were not mine and do not know anyone with that information. To make an account, it required my social security number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
On XX/XX/year>, I completed a full audit of my Robinhood account and identified several unresolved and withheld refunds. These include : A {$140.00} refund from XXXX ( XX/XX/year> ) XXXX has confirmed that this amount was already returned to the bank and processed on their end A {$33.00} refund from XXXX ( XX/XX/year> ) A {$66.00} refund from XXXX ( XX/XX/year> ) A {$27.00} refund from XXXX ( XX/XX/year> ) Additional pending issues involving XXXX  XXXX XXXX and XXXX I contacted XXXX  customer service through their in-app chat system. Despite clearly explaining the issue and the urgency of my financial situation, I received only generalized responses stating I needed to wait XXXX calendar days, with no investigation or action initiated. 

I explained to support agents that these delays were having real-world consequences, including food insecurity and inability to extend my lodging. Instead of offering help, a support agent disconnected the chat after I briefly lost connection, and I was told I would receive an email in XXXX business days. That timeline ignores the seriousness of the situation. 

On XX/XX/XXXX, I issued a formal written warning, demanding immediate action. When no resolution was provided, I sent a second formal warning, informing Robinhood that I would escalate the matter externally. 

Despite merchants confirming that funds were returned ( specifically XXXX ), Robinhood continues to withhold money that rightfully belongs in my account, without proper explanation or urgency. These actions have resulted in emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I worked selling and buying cars from auto auction. I received a lead on XXXX XXXX XXXX and sold a vehicle. I held the check waited for the funds to clear and then released the vehicle. After several days the check bounced. I spoked to the bank rep made a police reports. I left for vacation and when I returned I sold another car with a client that sent me a wire from out of state. Released the the vehicle to the transport company and then fund were returned because the customer supposedly didnt like the vehicle but ran off with my vehicle. I then made another police report and again was scammed out of my money. Bank of America then shut my account down and now I am in XXXX XXXX  struggling to open another bank account because of getting scammed.

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 monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I applied for an American Express XXXX XXXX ( ending in XXXX ) in XX/XX/year> under a specific offer that included a welcome bonus of XXXX points after spending more than XXXX within XXXX  months. I met the spending requirements, within about 4 months. 

Despite fulfilling the terms, I have not received the bonus even after repeated follow-ups. I have contacted Amex customer service multiple times via chat, but they have either delayed responses or provided inconsistent information. 

This experience has caused significant frustration and wasted time. I planned my spending based on the promise of this bonus. Amex 's failure to deliver what was advertised feels deceptive and unethical. 

I request immediate issuance of the promised welcome bonus and a formal explanation for the delay.

Company response to consumer: Closed with explanation