vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

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

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

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

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

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

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: MS

Complaint narrative:
To Whom it May Concern I am writing this letter in response to your communication dated XX/XX/year> regarding an alleged debt you claim i owe. 
this letter is a formal request for validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide all validation and documentation for any alleged accounts connected with the following. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide full validation and documentation connected with the following businesses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: FL

Complaint narrative:
I am writing in response to your communication regarding the abovereferenced alleged debt. I dispute this debt in its entirety ( or, if applicable, I dispute the amount you claim is owed ) and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide, in writing : The name and mailing address of the original creditor and any subsequent owners of the debt.

The full amount of the alleged debt, including an itemization showing principal, interest, fees, and any other charges.

Copies of any contract, agreement, or other documents bearing my signature that allegedly create this obligation.

The date the debt became delinquent and the date of any chargeoff. 

Proof that you have the legal right to collect this debt, including any assignment or transfer documents. 

Until you provide the above documentation, and while this debt remains in dispute, you must cease all collection activities on this account, including phone calls, letters, and any negative reporting or further reporting to credit bureaus regarding the disputed amount. 
If you can not provide adequate validation, or if you continue collection activities without providing validation, this may constitute a violation of federal law, and I will consider filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the appropriate state authorities. 

This letter is not a refusal to pay but I have no recollection of this account and/or claim and seek that the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Company : Capital One Auto Finance Product : Auto Loan Issue : Wrongful repossession / breach of written extension agreement What happened : On XX/XX/XXXX, Capital One Auto Finance issued me a written extension agreement for my auto loan. The agreement clearly states that my required payment of {$2100.00} is due by XX/XX/XXXX, and that my next regular monthly payment is not due until XX/XX/XXXX. 

This written extension is the only binding contract between us, and it modifies the loan terms. I relied on this written agreement. 

On XX/XX/XXXX, Capital One repossessed my vehicle even though the extension due date had not arrived. This means I was not in default under the terms of the written extension. 

Capital One representatives are now claiming that I verbally agreed to make additional monthly payments before XX/XX/XXXX. That is false, and even if such a verbal conversation occurred, federal and state contract law does not allow a verbal agreement to override or modify a written extension contract. 

Capital One is refusing to return the vehicle and has already scheduled it for auction in 10 days, despite the repossession being in clear violation of the written extension. They are also attempting to charge me over {$1000.00} in repossession and storage fees for a repossession that should not have occurred. 

This situation has caused severe financial hardship, loss of transportation, and potential harm to my employment and personal responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

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

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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

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

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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

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 2025-11-29 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-11-29 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX Charged off my account before the XXXX  days. I will upload the documents

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX Charged off my account before the XXXX  days. I will upload the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I opened my cashapp for the first time in a few days today because I use it to pay my rent and I was ready to do that. I found an astonishing number of charges and that my account had wiped clean and left with XXXX cents. They charges all are from different google services, most of which are from XXXX cut the rope. Something I've never heard of. There were so many charges it was too much to count. I called cash app to dispute and reported to the ftc. The agent told me there were XXXX charges, most of which are for XXXX cents, some are declined by cash app and some went through. A few months ago I noticed suspicious activity by XXXX and I blocked XXXX transactions. Somehow cash app was not monitoring my account and allowed the same charges that I blocked and they were declining to clean out my account. The scammer took {$570.00} in total. I can't pay my rent and I have no faith that the same company that allowed me to get scammed is going to retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
One of my student loan accounts were transferred to SLOAN Servicing a little over a year ago and they broke this loan down into XXXX separate loans. These XXXX loans have been reporting on my credit report as having XXXX missed payments for the last year ; however, when I called Sloan this month they confirmed that my loans have never been late and that they would be filing a complaint on my behalf. This has severely damaged my credit score by dropping my score over XXXX points for something that has never actually occurred. Furthermore, I made several complaints with your agency XXXX months ago in regards to my original loan servicer, ( Nelnet ), who was also reporting inaccurate late payments, and those have been rectified to reflect only XXXX missed payments, so it is possible that when part of my loans were transferred to Sloan, those inaccuracies transferred with them and they were never updated with Sloan. Additionally, even though my Nelnet payment history has been updated, my score has never been updated with all three bureaus, and they need to update my scores to reflect these errors which dropped my score by over XXXX points. They have kept my score the same despite updating the errors that are responsible for causing such drastic drops in points to my credit score across all three bureaus. Sloan will validate that all XXXX accts reporting on my credit report as having XXXX missed/late payments is completely wrong, and that I have never been delinquent, and am current as to date. This information needs to be reported accurately on my reports and my scores need to be updated to reflect these errors that are responsible for drastically dropping my credit scores across all three bureaus as I should not have had endured such drastic score drops for errors being reported wrongly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Subject : Unfair Account Termination, Confiscation of Rewards, and Evasion of Owed Payouts Summary : Capital One Shopping ( XXXX ) terminated my account on XX/XX/year>, alleging " fraud '' without evidence. This action caused a total financial loss of over $ XXXX, consisting of confiscated earnings and unpaid rewards for legitimate purchases. 

I. Confiscated Funds ( Proven Loss ) : XXXX seized approximately {$100.00} in earned rewards ( payable funds ) and over {$360.00} in pending rewards that were already tracked in my account. 
II. Evasion of Untracked Rewards ( The " XXXX '' ) : I also have legitimate purchases that failed to track, for which XXXX owes me significant rewards. XXXX instructed me ( XXXX # XXXX ) to " wait 90 days '' to claim these ( XX/XX/year> ). By banning me on XX/XX/year>, they effectively prevented me from filing these claims after the XXXX period. 

Specific Untracked Orders ( XXXX XXXX ) : XXXX. Date : XX/XX/year> | XXXX : XXXX | Promised Reward : {$140.00} XXXX. Date : XX/XX/year> | XXXX : XXXX | Promised Reward : {$160.00} ( I have proof of purchase and activation for these items. ) III. Lack of Due Process : Despite my appeals to Senior Supervisor " XXXX ' '' ( Case # XXXX ) clarifying that I am a single-account user making household purchases, XXXX refused to provide evidence of " multiple accounts '' and ceased communication. My escalation to the Executive Office ( XXXX ) on XX/XX/year>, has been ignored. 

Desired Resolution : 1. Immediate reinstatement of my account ( linked to email : XXXX ). 
2. Payment of the confiscated {$100.00} earned rewards and release of the $ XXXX pending rewards. 
3. Manual credit of {$300.00} for the untracked XXXX XXXX orders ( {$140.00} + {$160.00} ) listed above.

Company response to consumer: Closed with explanation