vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV and their local attorney filed suit against me in the amount of {$1900.00} plus their fees and court costs. I have repeatedly asked for the validity of this debt to no avail. They refuse to answer calls and return calls. I never received anything in the mail for this. The only thing I received was a summons to court. They did not produce ownership nor any other chain of ownership with me nor could they produce evidence to the courts. I do not owe nor have I ever entered a contract with this company. 

On XX/XX/scrub> 2025, I showed up to court for this case to be heard. The plaintiff could not produce to the court that I owed them any debt. The only thing they had was one piece of paper showing the judge my name, amount and their name. The judge dismissed this case on grounds of not being able to show ownership/validity/chain of custody or debt to LVNV or Resurgent or any affiliates. LVNV also filed right before the XXXX of my state to the date they stated I owed. I do not owe this company nor have I ever owed this company. They are now refusing to take this off of my credit bureaus with XXXX, XX/XX/XXXX, and XX/XX/XXXX. Instead this company is now re-aging this on my credit reports. I am on XX/XX/XXXX/fully XXXX and unable to continue to pay for attorneys to fight this. They know this since the judge told them they are not to collect on a debt not owed especially from a XXXX consumer drawingXX/XX/XXXX. The case was dismissed without prejudice and can not be filed again due to being outside of the XXXX of their 'said claim, ' that I do not owe. The very next day after the judgment was dismissed, they started to re-aging my credit files thus dropping my scores. 

They are in a direct violation of the FDCPA. This company has also called my father in which he is in a XXXX XX/XX/XXXXwith XXXX XXXX and has caused him unnecessary worry. They have never called me but have called my father on a number that has been his since the XXXX. 

I want this off of my credit and want this company to stop with their false allegations against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX  Equifax, XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX  Equifax, XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 an 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 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 2025-06-23 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2023, Balance : {$28000.00}

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I deposited check on XX/XX/year> in the amount of {$49000.00}, and funds were made available the next day on XX/XX/year>. But suddenly on XX/XX/year> i got an email from bank of america which said that your funds are put on hold and will not be released till XX/XX/year>. Due to boa negligence, now i am in the situation of not being able to close on my new home, and will also have to vacate existing home by XXXX end thus resulting me in being homeless for not sure how many number of days/months These banks can not just hold your funds without any explanations. This is very dire situation for me and my family and even after so many calls to boa customer service they do nothing and just say 'we apologize for inconvenience but can't do anything about it '. 
This is outrageous and unacceptable. I will appreciate if CFPB can hold these banks accountable for providing better customer service and better management of our funds

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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
I enrolled my children to the XXXX XXXX XXXX afterschool program after notifying them in person weeks in advance of their disenrollment. I was told the day of to send an email to the manager so she was aware. 

My bill was originally {$300.00} per week, then I noticed on my credit report that I owe almost {$1000.00}. Which means I was still charged for another XXXX weeks of childcare.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX CARD - Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} CRDMGMCOMP - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} CRDMGMCOMP - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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 Credit Bureau is I did not give them authorization to furnish this information about the bankruptcy so they are inviolation and they are illegal because the course do not report to the credit brewer and this need to be taken off using code 15 US C 1681B and code 15 USC 1681EB so this should be taken off of my credit report because the court does not report to the credit bureau so they are reporting inaccurate information so these bankruptcies should be removed off my credit and anything in the legal and going through legalization should not be reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 Credit Bureau is I did not give them authorization to furnish this information about the bankruptcy so they are inviolation and they are illegal because the course do not report to the credit brewer and this need to be taken off using code 15 US C 1681B and code 15 USC 1681EB so this should be taken off of my credit report because the court does not report to the credit bureau so they are reporting inaccurate information so these bankruptcies should be removed off my credit and anything in the legal and going through legalization should not be reporting 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 2025-06-23 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-23 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX associates XX/XX/XXXX {$240.00} XXXX and XXXX, XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX NC XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2024

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 2025-06-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: DE

Complaint narrative:
Case # XXXX To whom it may concern, In XXXX of XXXX, I took my car to XXXX XXXX for an issue with my air suspension. I paid {$2500.00} to have the air compressor replaced ( see attachment ). 
In XXXX of 2025 I had the same issue with the air suspension not working. Since I had a year warranty, I took it back to XXXX XXXX. 

After having the car for over a week, they informed me that the air compressor they installed in XXXX of 2025 failed and they would have to take my car to the XXXX dealer  XXXX XXXX XXXX in XXXX, De ) because the part was warrantied and before they would honor the warranty on the part, the XXXX dealer needed to verify the part failed. After another week, I got a call from XXXX XXXX  that the XXXX dealer verified the air compressor failed, but there was also another part the failed called the XXXX  and that would cost {$1600.00} to replace and I needed to pay that before both the air compressor and XXXX  would be replaced. I authorized that and paid it which is the amount this dispute is about. 

After picking up the car, the problem was still not fixed and I took it back to XXXX XXXX. I got a call a couple of days later saying they had no idea what was wrong and they would need to take it back to the XXXX dealer. I got a call from the XXXX dealer saying they found the issue and I would have to pay them to fix it. I then asked why the repair wasnt covered under warranty. The XXXX dealer told me they never saw the car before and the parts XXXX XXXX installed werent from them, and they didnt do any of the work or diagnosis. I then asked what about the air compressor and XXXX XXXX XXXX replaced on your recommendation. They informed me that they never told XXXX XXXX anything about my car and that was between me and XXXX XXXX. I then called the XXXX XXXX and told them what the XXXX dealer said. XXXX XXXX told me that is strange because they talked to the XXXX dealer. I then asked them to call the XXXX dealer and straighten this out and they refused. I then asked them to honor their warranty and the money I paid them. XXXX XXXX refused to honor the warranty, and I was told they dont know what is wrong with my car and if the dealer can fix it, I should let them fix it. I then asked for a refund of {$1600.00} since they didnt fix my car and what they told me about what the dealer said and recommended was not true. XXXX XXXX refused to refund any of my money. 

I then had no choice but to pay the dealer to get my car fixed. I have enclosed the receipt of that payment.I am disputing the payment of {$1600.00} since XXXX XXXX did not fix my car and lied about the work performed. 

I submitted all information to Capital One and they refused to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to have the following information removed from my consumer disclosure report, the items that I need deleted are going to be attached in aa word document. I am a victim of identity theft. I have multiple accounts and inquiries that I did not apply for listed on my consumer disclosure report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a letter where it states I am being charged insufficient funds for a check that was issued fraudulently. It was a check payable to me and Bank of America debited my account in the amount of {$790.00} for insufficient funds on a fraudulent check. The bank said that they would credit my account within 10 days. Now I am being told it will take 45 days.

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 2025-06-23 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AL XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX AUTO Date : XX/XX/year> Date : XXXX XX/XX/year> Date :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting a formal complaint against CITIBANK for unlawfully blocking my access to {$230000.00} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$26000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the XXXX XXXX XXXX Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation. 
Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.

Requested Relief :

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