vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a certified cease and desist letter on or around XX/XX/XXXX, to Capital One Auto Finance, requesting the following : Adequate assurance of due performance under UCC 2-609 The original promissory note A certified copy of the original contract between me and my wife Certified copies of all business licenses, including any licenses required by the State of XXXX  to conduct business within the state An affidavit signed under penalty of perjury stating that Capital One Auto Finance , or any agents acting on their behalf, have not violated any portion of the Fair Debt Collection Practices Act ( FDCPA ) After the XXXX  cease and desist letter, a tow company passed by my residence, but I received no further communication from them at that time. 

Fast forward to on or about the end of XX/XX/XXXX : a tow truck driver knocked on my door and stated that I needed to return my property or they would likely return with the sheriff. I informed the driver that I would contact Capital One Auto Finance. 

On XX/XX/XXXX, I sent a XXXX  certified cease and desist letter, which also served as an official judicial notice and formal demand for disclosure regarding the promissory note. Capital One Auto Finance received this letter on XX/XX/XXXX. 

In the letter, I again requested : A detailed statement of all consideration, value, or compensation received by Capital One Auto Finance or any affiliates in connection with the assignment, sale, securitization, or other transfer of the promissory note or debt instrument The names and contact information of all entities or individuals who provided such consideration Copies of all endorsements, allonges, assignments, or transfer agreements related to the note A full and complete chain of custody of the original promissory note, identifying all entities in possession or control of the note from inception to the present, including relevant dates of any transfers I requested a full and complete response within XXXX ( XXXX ) days of their receipt of the letter. I stated that failure to respond within that timeframe would be interpreted as a failure to validate the alleged debt, and that I reserve the right to pursue all appropriate remedies. 

I also instructed them to cease and desist all collection activities, including XXXX-party contact, repossession attempts, or adverse credit reporting, until the matter is resolved in accordance with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-05-20 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 XXXXXX/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 explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX XXXX XXXXXXXX XXXX and were sold to a trust for a pool of investors. Although XXXX XXXX XXXX XXXXXXXX XXXX is acting as a service officer they illegally sold the debt to PORTFOLIO RECOVERY I demand to see the chain of assignment and purchase agreement to see who really sold the debt to PORTFOLIO RECOVERY If PORTFOLIO RECOVERY does not legally own the debt then this is a violation of 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Against Equifax Regarding Repeated Charge-Off Reporting on XXXX  Account and Failure to Provide 1099-C Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Equifax regarding the inaccurate and potentially unlawful reporting of my XXXX  account # XXXX. 

Nature of the Complaint : While shopping for a vehicle, I reviewed my credit report and discovered that this XXXX  account is reported as charged off for nine consecutive monthsfrom XX/XX/XXXX through XX/XX/XXXX ( XXXX ). 

This repeated monthly reporting of a charge-off is misleading and appears to double-report the derogatory status of the account. A charge-off is a one-time event, not something that should be marked as occurring repeatedly. This type of reporting creates the false impression of multiple charge-offs and further damages my credit profile. 

Additionally, I have never received a 1099-C form, which would be required if the debt had been forgiven or canceled. The absence of this IRS-mandated form raises questions about whether the account has truly been discharged and whether the reporting is legally accurate.

Legal Concerns : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), Equifax is required to maintain maximum possible accuracy in the information it provides. 

Repeatedly listing a charge-off month after month violates this standard and is misleading to lenders. 
If the debt has been canceled, a 1099-C is required, and failure to issue one may reflect a violation of both IRS and consumer reporting obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Requested on several occasions from XXXX XXXX, a contract agreement with a wet signature and a purchase agreement and have yet to receive either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All these accounts were done with out my knowledge I need them all removed

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NV

Complaint narrative:
This company is a scam. I sent them a wire transfer on XX/XX/year>XXXX  and money went missing even though its a domestic local wire. after 2 weeks of calling the customer service number, I can not even find a resolution to the problem nor they can help. 
There customer service is below zero on a scale of 1 to 100. Every agent gives wrong information and no one knows anything. 
I will never ever do business with them again and they are misleading the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On the noon of XX/XX/XXXX, I received an email stating that my credit card account had been closed without prior notice. I immediately contacted multiple customer service representatives, including online and phone support, and spent several hours trying to understand the reason. However, no one provided a clear explanation. I was repeatedly told that the closure was due to company policy and that while agents could view my account, they had no authority to take any action. 

I have been a responsible cardholder for over 7 years, using this card for everyday purchases with an average monthly spending of about {$2000.00}. I have always paid my bills on time. Over the years, I accumulated approximately XXXX reward points. 

After the sudden account closure, I requested that my points be either transferred to me or redeemed in the form of gift cards. My request was denied. I was told that once the account is closed, all accumulated reward points are automatically forfeited. 

However, I discovered multiple reports from other customers on public forums such as XXXX who were in similar situations and were able to successfully transfer or redeem their points after account closure. This suggests inconsistent and potentially unfair enforcement of the company 's policies. The lack of transparency and the seemingly arbitrary application of rules are deeply concerning. 

I believe this practice is unfair and deceptive. The company failed to provide a valid reason for the account termination and then proceeded to strip me of substantial rewards I rightfully earned through years of responsible credit use. I am seeking CFPBs assistance to investigate this matter and to help ensure I receive the rewards I earned or appropriate compensation. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a dispute concerning the accuracy and continued reporting of a charged-off account by XXXX XXXX XXXX ( XXXX / XXXX XXXX XXXX XXXX The account was opened on XX/XX/XXXX, and is listed as charged off with a {$0.00} balance across Equifax, Experian, and TransUnion. 

As of now, there is no outstanding balance, no monthly payment, and the account has been closed for over a year, yet it is still negatively impacting my credit report with a history of missed and late payments.

Under the FCRA Section 602 ( A ) and Section 607 ( B ), credit information must be accurate, complete, and not misleading. Continuing to report this account as a charge-off with no balance, no payment activity, and inconsistent last reporting dates ( e.g., XX/XX/XXXX for Equifax and XX/XX/XXXX for Experian ) may misrepresent my creditworthiness.

I also request verification under FCRA Section 609 ( a ) ( 1 ) ( A ) to confirm that this account information is being correctly reported and was properly validated prior to furnishing the charge-off status. If Achieve Personal Loans can not produce documentation showing the original terms, charge-off details, and timeline accuracy, the information must be deleted. 

I am asking that the credit bureaus and Achieve Personal Loans perform a reinvestigation under FCRA Section 611. If the account can not be verified with accurate and complete data, it must be deleted from my credit file.

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 2025-05-20 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: TX

Complaint narrative:
I am filing a dispute concerning the accuracy and continued reporting of a charged-off account by XXXX XXXX XXXX ( XXXX / XXXX XXXX XXXX XXXX The account was opened on XX/XX/XXXX, and is listed as charged off with a {$0.00} balance across Equifax, Experian, and TransUnion. 

As of now, there is no outstanding balance, no monthly payment, and the account has been closed for over a year, yet it is still negatively impacting my credit report with a history of missed and late payments.

Under the FCRA Section 602 ( A ) and Section 607 ( B ), credit information must be accurate, complete, and not misleading. Continuing to report this account as a charge-off with no balance, no payment activity, and inconsistent last reporting dates ( e.g., XX/XX/XXXX for Equifax and XX/XX/XXXX for Experian ) may misrepresent my creditworthiness.

I also request verification under FCRA Section 609 ( a ) ( 1 ) ( A ) to confirm that this account information is being correctly reported and was properly validated prior to furnishing the charge-off status. If Achieve Personal Loans can not produce documentation showing the original terms, charge-off details, and timeline accuracy, the information must be deleted. 

I am asking that the credit bureaus and Achieve Personal Loans perform a reinvestigation under FCRA Section 611. If the account can not be verified with accurate and complete data, it must be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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 am writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. '' 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 XXXXXX/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 explanation
Consumer complaint received 2025-05-20 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: NV

Complaint narrative:
" I am writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. '' 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 XXXXXX/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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Upstart needs to be investigated after I've made almost 4 years of on-time payments they did me a loan extension however after only 32 days of being late and not 120 days late they're threatening me to send my account to a third party agency. What I don't like is the discrimination and threatening behavior see when you sign in to my loan at the top it says if I pay they will dismiss the third party and keep my account current so what does Upstart want don't say you're sending it to a third party then turn around and if I make a payment you will take the loan back. In the meantime I could send that payment to the third party member to pay my account down. Upstart is horrible and all the banks does servicing with are horrible and need to be audited by the government to see what happening in their internal departments to do a customer like me like that with 4 years of on-time payment history with greens dots clearly checked on their website. They don't care!!!! Go after someone who is constantly late Upstart!!!! and has a pattern of late behavior. It's crazy because my credit report will still show all the on-time checks for the years I did pay. 

I hope the CFPB can open an investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 disputing a negative account reporting on my Experian credit file by XXXX XXXX XXXX. 
On XX/XX/year>, I submitted a formal dispute and requested verification of the debt under FCRA 609 ( a ) ( 1 ).

I asked for the original signed agreement, ownership assignment, and payment history. No documentation was provided.

Under FCRA 611, this unverifiable account must be permanently deleted. 
I request CFPB enforcement to ensure its removal.

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 2025-05-20 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: NY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief