vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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 am disputing a charge-off reported by Capital One on my credit report. The charge-off resulted from a situation that was entirely beyond my control. 

In XX/XX/XXXX, my vehicle which was financed through Capital One Auto Finance was legally parked in front of my home when it was struck and totaled by another driver. The accident triggered a claims process involving both XXXX XXXX and GAP coverage, who worked directly with Capital One to settle the balance.

The bulk of the loan was paid off through these insurance providers. However, a small remaining balance of {$120.00} was left on the account. I was informed by my XXXX agent that the remaining balance was the responsibility of the GAP provider. I made multiple attempts to contact GAP and also asked Capital One to follow up with the GAP representative they had previously communicated with, but no resolution was provided. 

At the time, I had just had a baby, was out of work, and facing serious financial hardship. I explained these circumstances to Capital One, along with the fact that the remaining balance was not supposed to be my responsibility. Despite this, I made the effort to pay the balance out of pocket. 

Its important to note that I also held other active accounts with Capital One during this same period all of which were kept in good standing with no late or missed payments. This demonstrates that I have a strong history of financial responsibility with Capital One, and this incident was clearly isolated and circumstantial. 

The auto account became delinquent in XX/XX/XXXX due to the unpaid balance of {$120.00} that was the responsibility of my GAP coverage and was paid in full on XX/XX/XXXX, meaning it was only approximately 60 days past due. 

Under federal credit reporting regulations and Metro 2 industry standards, an account must be at least 180 days delinquent before it can be legally reported as a charge-off. As such, Capital Ones reporting of this charge-off is inaccurate and unjustified, and it is causing unnecessary harm to my credit.

I contacted Capital One on 4 separate occasions to address this issue. My concerns were repeatedly dismissed, and I was told that there was nothing they could do. On more than one occasion, representatives disconnected the call, and at one point I was told that the charge-off would be automatically removed within 23 months. That never happened and only delayed my ability to seek proper assistance.

I am now requesting that the CFPB assist in having this inaccurate charge-off removed or corrected, and also review Capital Ones handling of this matter, which I believe reflects poor consumer support and improper credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
Under FCRA 611 ( 15U.S.C.1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Please explain why it was not removed initially, despite my submission of all required documentsincluding my ID, Social Security number, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX  reveal troubling patterns of noncompliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within that time frame, I demand the name and address of anyone contacted to verify the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
Under FCRA 611 ( 15U.S.C.1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Please explain why it was not removed initially, despite my submission of all required documentsincluding my ID, Social Security number, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX  reveal troubling patterns of noncompliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within that time frame, I demand the name and address of anyone contacted to verify the disputed information.

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 2025-05-25 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: NV

Complaint narrative:
I want to emphasize that this complaint is valid. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial well-being. I respectfully request that they be corrected or removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carvana Group, LLC
State: MI

Complaint narrative:
Following multiple fraud investigations and yet the account data is still inaccurate and inconsistent to FCRA codes and procedures. This is clearly a repeated offense of violating XXXX USC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX  * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-25 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:
This letter serves as a final notice and formal complaint concerning Equifaxs continued noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611, in relation to its mishandling of my identity theft dispute. Despite having fully satisfied all statutory documentation requirements, Equifax has failed to block a clearly fraudulent account and conduct a lawful reinvestigation, thereby violating both federal consumer protection law and the Consumer Financial Protection Bureaus ( CFPB ) regulatory guidance. 

On XX/XX/XXXX ( Complaint ID : XXXX and again on XX/XX/XXXX ( XXXX ), I submitted a dispute under FCRA 605B regarding a fraudulent collection account labeled XXXX XXXX  ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ), reflecting a {$0.00} balance and an open date of XX/XX/XXXX. I provided all documentation required under XXXX, including a valid identity theft affidavit # XXXX, government-issued identification, proof of address, and supporting evidence of my exposure in a confirmed data breach. 

Under FCRA 605B, Equifax was legally required to block the disputed information within four business days of receipt. Instead, Equifax improperly conducted a verification process without blocking the item, and further failed to disclose the methodology, sources, or results of its reinvestigationactions which constitute a direct violation of FCRA 611. These failures conflict with the CFPBs bulletin ( XXXX ), which reiterates that consumer reporting agencies must conduct a reasonable and good-faith investigation and remove unverifiable or fraudulent information in a timely manner. 

Equifaxs continued disregard for its FCRA obligations and CFPB directives reflects a systemic failure to ensure the accuracy and integrity of consumer reporting, as emphasized in both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX where courts affirmed consumers rights to fair and accurate credit reporting and redress. 

You are hereby formally advised that failure to comply with this final notice will result in escalation to the Consumer Financial Protection Bureau, the Federal Trade Commission, and other appropriate regulatory authorities for enforcement action. I demand immediate removal of the fraudulent account, full compliance with FCRA 605B and 611, and a written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: WV

Complaint narrative:
I have disputed this information ( 3 ) times and requested debt validation and accounting statements. 2 credit bureaus validated without investigation. Company has failed to provide proper validation To date this debt has not been able to be verified. Credit bureaus are reporting different information. According to the FCRA XXXX USC XXXXg failure to provide debt verification and requesting account statements is grounds to have this removed. Since this has been disputed and ignored ( 3 ) times, please delete from Transunion and Equifax credit reports. Also - one credit agency showing " closed account '' and other credit agency showing " Open ''. The fact that this can not be verified and is reporting false and different information is damaging. These accounts have been removed from XXXX due to failure to validate debt/account. Other 2 agencies ( Transunion and Equifax ) also need to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I have disputed this information ( 3 ) times and requested debt validation and accounting statements. XXXX credit bureaus validated without investigation. Company has failed to provide proper validation To date this debt has not been able to be verified. Credit bureaus are reporting different information. According to the FCRA XXXX USC XXXX failure to provide debt verification and requesting account statements is grounds to have this removed. Since this has been disputed and ignored ( 3 ) times, please delete from XXXX XXXX XXXX credit reports. Also - one credit agency showing " closed account '' and other credit agency showing " Open ''. The fact that this can not be verified and is reporting false and different information is damaging. These accounts have been removed from XXXX  due to failure to validate debt/account. Other XXXX agencies ( XXXX XXXX XXXX ) also need to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX or XXXX XXXX I made a deposit {$1000.00} dollars and it didnt come out in my account I waited XXXX weeks and I called and I have opened a complaint they have closed it XXXX  times but I really need my money back

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 2025-05-25 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my FICO TransUnion credit report that I do not recognize. These accounts are the result of identity theft and include : a charge account at XXXX XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a charge account at XXXX XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a credit card at XXXX  XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a credit card at XXXX  XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and a credit card at XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These accounts have led to fraudulent hard inquiries and collections on my credit report. I demand the removal of these fraudulent items from my credit reports and that all related collection activity cease, in accordance with my rights under the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding several accounts listed on my Experian credit report. I have requested debt validation and information on the date of first delinquency and expected removal for each of the following debts : Debt Collector XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, Debt Collector XXXX XXXX XXXX Account # XXXX, and Debt Collector XXXX XXXX XXXX Account # XXXX ]. To date, I have not received the requested documentation from any of the parties.

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 2025-05-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
There was a debt added to my report from JEFFERSON CAPITAL SYST and I can't dispute with XXXX  because I had to send my information to verify my identity. But I am requesting the original purchase agreement that show you are the legal owner of this alleged debt. Please include all terms and conditions that are included in this purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
Unauthorized inquiries continue to appear on my credit report despite my previous complaint and a representatives promise to remove them. These unapproved accesses are damaging my credit and may indicate identity theft. This is a serious issue thats causing personal distress and financial harm, and it needs to be resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cashapp ( block inc ) do to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation e these actions have caused significant inconvenience and financial loss and I seek appropriate redress on these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
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. 

XXXX XXXX XXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX XXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX XXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXXXXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX XXXX  XXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX XXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE IT FROM MY CREDIT REPORT List of Unauthorized Inquiries : 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 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