vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I ASKED XXXX TO PROVIDE THE WET INK SIGNATURE OF THE NOTE AND THEY HAVE YET TO COMPLY AND THEY ARE TARNISHING MY CREDIT BY FALESELY REPORTING INACCURATE INFORMATION. 
Case : XXXX XXXX XXXX XXXX XXXX, XXXX ( 2018 ) Summary : In this case, the plaintiff alleged that XXXX XXXX XXXX XXXX XXXX ( XXXX ) violated the Fair Debt Collection Practices Act ( FDCPA ) by making false representations about the debt and failing to provide required disclosures. 
Holding : The court ruled in favor of the plaintiff, finding that XXXX had indeed violated the FDCPA. 
Keep in mind that specific case details and outcomes may vary depending on the jurisdiction and circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am writing in response to a collection account reported by your agency in the amount of {$650.00}, which I do not recognize and have no prior knowledge of. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide full validation of the alleged debt. This includes, but is not limited to : 1. The original contract or agreement bearing my personal signature, not copies or reproductions.

2. The name and address of the original creditor.

3. A complete itemization of the charges and how the balance of {$650.00} was calculated.

4. A complete payment history, if applicable.

Until such documentation is provided, this debt is considered disputed, and I request that all collection activities cease immediately, including reporting to any credit bureau.

If you can not provide the required original documents, you are required to remove this account from my credit report and stop all collection efforts. 

This letter is not an acknowledgment or acceptance of the alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX. Chase refused to remove 2 numbers on my account ending in XXXX -that is used for verification purposes. I spoke with XXXX in the Missouri office she claimed that identification numbers are attached to the date and time of the call but are not available to be shared with myself as a customer. The numbers that need to be remove end in XXXX and XXXX. XXXX in the XXXX XXXX office was very dismissive as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery XXXX RE : Dispute and Validation Request for Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " Portfolio Recovery Assoc '' in the amount of {$500.00}, associated with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC 9-210 ) to demand full validation.

I request the following documentation : 1. The original signed credit agreement bearing my wet signature.

2. Full itemization of the alleged debt, including all interest and fees.

3. Proof of assignment or transfer of the debt, including the complete chain of custody.

4. Any pooling or securitization agreements involving this account.

5. Confirmation of whether a Form 1099-C was issued. 
6. A complete accounting of the obligation from origination to present. 

If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize any of these strong inquiries and I did not give my consent for my personal information to be reported and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: MD

Complaint narrative:
CarMax Auto Finance is reporting inaccurate late payments on my credit report. I submitted a formal dispute through the credit bureaus with verified proof of timely and overpaid payments, with unaccounted for funds. Despite this, CarMax either failed to review the documentation or verified the inaccurate information anyway. 

As the furnisher, CarMax is required under the FCRA to conduct a reasonable investigation when contacted by the credit bureaus. Their failure to correct these inaccuracies is damaging my credit. I am requesting a full reinvestigation, correction or deletion of all inaccurately reported late payment entries, and written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Ive paid on this loan for 2 years with no problem. My husband lost his job a while back leaving all financial burden on me with XXXX kids still at home and i was still paying the payment, while struggling. It came to the point where i had to chose rent and food for my kids or pay the payment. I took the obvious route, and spoke with the branch about my situation, i was offered a deferral but still asked to pay half the payment for the fees!! I told them i could afford no extra, i had to buy food!! No other offers to help, just deferral with half payment. 
I have received multiple calls, voicemails, texts daily from this company and they also have harassed my son, who is a cosigner! He also lost his job a while back and is making a lot less now and is on his own who can not afford the payments! Ive told them this and they continue to harass us both! 
I also have asked if i removed the extra insurance on the account would it lower my payment? I was told no! 
A few months back i asked to be taken off direct draft, i was told no! I was told, if you cant pay now, how are you going to pay us next month?? You need to figure this out!! I hung up, was really rude and unprofessional. 
I called a month later and demanded to be taken off direct draft, she said ok, but the next month payment was drafted out again!! 
I called back and told them i had requested previously to be taken off direct draft, response was i did, i thought you just wanted for the next payment. No i said TAKE ME OFF DIRECT DRAFT I TOLD YOU THIS, NOW IM IN OVERDRAFT WITH NO MONEY TO PAY MY RENT. The only response was ok, ok calm down, sorry about that. No we can reverse the money or nothing. Leaving me behind on rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My Capital One student credit card account was closed without proper notice and well before the legally allowed charge-off period.

I opened the account in XX/XX/year> and was recently behind on my payment by less than 40 days ( under two billing cycles ). Despite this, my account was marked as restricted in the app and then closed on XX/XX/year>. 

I was never notified that the account would be closed, and I was actively trying to pay off the balance. However, Capital One blocked payment attempts, including autopay and manual payment.

According to Capital Ones own publicly stated policy, accounts are not supposed to be closed and charged off until they are 180 days ( 6 months ) past due. My account was closed prematurely, without written notice, and now shows as Closed by credit grantor on my credit report, which may negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: MI

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I sent money to XXXX and canceled it at XXXX and it said I canceled in time. At XXXX they let it through and it is not my fault. They are refusing to give me my money back saying it went through which is not my problem and fault on there side. I canceled in time and called them also the same day and they refused to stop it knowing I already canceled it. The told me to wait until it clears and email them back showing that it was taken out which I have evidence. Then the lady for customer service asked me for my card number. The first XXXX digits and last XXXX digits. Plus the name of the card and the bank name. Saying she was going to reverse the charge. Then called me today to give them consent to try and get the money back from XXXX bank and make me wait XXXX weeks when it was not my fault and that is all the money I had on my card. Called me on a Spam number in XXXX and way very rude and wouldn't help me then hung up on me. Very poor customer service.Neither my card or XXXX refused to help me and both told me to wait until it clears after I canceled it already on time.

XXXX XXXX XXXX  I called them the same day when it happened. 
{$540.00} My card is XXXX XXXX debit XXXX. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
On the XXXX XXXX  XXXX i paid my friend XXXX dollars and it was immediately flagged for suspicions on my account and ever since i havent been able to access funds, move them or send. my account has been suspended and ive been told i was going to get a email after 2 days and its been 14 and my account is held up with my money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im writing to dispute an inaccurate late payment, reported on my account .. XXXX ( XXXX 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 2025-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am submitting this complaint regarding repeated unauthorized withdrawals by Wells Fargo from my checking account to pay my Wells Fargo credit card, causing significant financial hardship. 

On XX/XX/year>, Wells Fargo withdrew {$2300.00} from my checking account ending in XXXX to pay my credit card ending in XXXX without my authorization. The funds were returned the same day because there were insufficient funds. I immediately called Wells Fargo on XX/XX/XXXX to dispute the transaction and was assured it would be resolved. 

Despite this, on XX/XX/year>, Wells Fargo again withdrew {$2300.00} without my consent. I called Wells Fargo the same day to dispute this second unauthorized debit and to request a stop payment. As of XX/XX/year>, the funds have not been returned to my account. 

Because of this unauthorized withdrawal, I incurred overdraft fees and was forced to use my XXXX XXXX credit card at a 27 % interest rate to cover essential expenses. This has caused financial hardship and stress. 

I am requesting the immediate return of my funds, reimbursement of all overdraft fees and penalties, reimbursement of the interest expenses I am incurring ( approximately {$1.00} per day at a 27 % APR ), and confirmation that no negative credit reporting or additional fees will result from this issue.

I have already sent a formal dispute letter to Wells Fargo via certified mail requesting resolution.

This repeated unauthorized debit and failure to resolve it promptly are violations of Regulation E of the Electronic Fund Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I want these accounts removed immediately from my XXXX 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