vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
This is a truly unprofessional law firm. They do not provide information requested when my financial future hangs in the balance. XXXX benefits may apply as well as laws governing XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank charged my business checking account excessive overdraft fees, l run a XXXX XXXX XXXX  my clients are not making on time payments due to this reason funds will go under when withdrawal are being processed. I contacted chase bank on XX/XX/XXXX, XXXX to turn off the overdraft and do not honor any bill payments if there is no funds. Chase agreed but then from month of XXXX up to present chase has been charging my business account excessive overdraft fee. The checking account has been charged XXXX times of overdraft fees of {$34.00} per a charge. Total overdraft fees charge was {$1000.00}. 
Therefore I am requesting all the charges to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach. 
Dear TRANSUNION XXXX, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
* * Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, 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 2025-11-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The investigation did not fix an error on my 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 2025-11-19 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: TN

Complaint narrative:
The investigation did not fix an error on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
RE : Formal Complaint Multiple FCRA, FDCPA, and 15 USC Violations by Credit Bureaus & Data Furnishers To Whom It May Concern : My name is XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX ending in XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX. 

I am filing a formal complaint against TransUnion, Experian, Equifax, and the following furnishers, who are reporting false, inaccurate, incomplete, re-aged, and legally non-compliant information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Legal Violations FCRA Violations 15 USC 1681e ( b ) : Failure to ensure maximum accuracy 15 USC 1681i ( a ) : Failure to reinvestigate 15 USC 1681s-2 ( a ) : Furnishing information known to be inaccurate 15 USC 1681s-2 ( b ) : Failure to correct after dispute 15 USC 1681b : Unauthorized collection and furnishing 15 USC 1681c : Reporting obsolete/inaccurate data FDCPA Violations ( All Collections ) 807 ( 2 ) : False representation of legal status 807 ( 8 ) : Communicating false credit information 808 : Attempt to collect unauthorized amounts 809 ( b ) : Continued collection without validation Requested CFPB Action I request that the CFPB : Order deletion of ALL disputed accounts listed above. 

Impose penalties for repeated FCRA/FDCPA violations. 

Require all furnishers to cease reporting and provide proof of accuracy. 

Award statutory damages up to {$1000.00} per violation per account and additional punitive damages.

Consumer Statement I have repeatedly been harmed financially, emotionally, and professionally due to the bureaus willful negligence and the furnishers unlawful reporting practices. 

I certify this complaint is accurate and truthful. 

Sincerely, 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 2025-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding an inaccurate and unvalidated derogatory tradeline on my Equifax credit report, reported by XXXX XXXX for my XXXX credit card ( ending in XXXX ). 

The last legitimate transaction on this account was a {$95.00} charge from XXXX on XX/XX/XXXX ( verified via my statements ). After this charge, no further purchases occurred, and my statements show no transactions for the entirety of XXXX. 

My historical statements from XXXX all show that I was enrolled in XXXX, but at some point between XXXX XXXX XXXX XXXX XXXX appears to have silently XXXX AutoPay without any notification, which is inconsistent with Regulation Z requirements. There are no notices of XXXX cancellation, no failed payment notices, and no alerts of any kind. 

Despite the lack of notification, XXXX XXXX began assessing late fees on XX/XX/XXXX, and continued adding late fees and interest for months, even though I received no emails, no mailed statements, and no app notifications about any balance due. 

XXXX XXXX and the debt collector have both informed me that they can not provide any documentation validating the debt, including : any record of XXXX cancellation any notices sent to me any evidence I was informed of minimum payments due any breakdown explaining the delinquency The delinquency and charge-off resulted from lack of notice, not from any refusal or inability to pay. I paid the balance immediately upon discovering it. 

Under the Fair Credit Reporting Act ( FCRA ), a creditor must be able to validate the accuracy of a reported delinquency. Since XXXX XXXX is unable to validate or document the debt, the derogatory tradeline should be deleted in full from my Equifax 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 2025-11-19 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: NC

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies, duplications, and erroneous late-payment reporting across several accounts on my credit reports. My XXXX XXXX XXXX XXXX XXXX balance {$16000.00} ) and my XXXX account ( XXXX, balance {$9800.00} ) are both showing XXXX late payments that I dispute as inaccurate. My XXXX XXXX XXXX XXXX balance {$0.00} ) and XXXX XXXX XXXX XXXX  balance {$0.00} ) appear with reporting inconsistencies. XXXX XXXX XXXX is reporting a {$15000.00} balance with NEW LATE OPEN, and this same XXXX account is also duplicated in the collections section with a {$0.00} balance, which is contradictory. My XXXX XXXX XXXX XXXX  balance {$0.00} ) appears twice showing XXXX late payments for an account opened XX/XX/XXXX, and similar duplications appear for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both {$0.00} balance, each showing XXXX late payments for the same opened date of XX/XX/XXXX ). Additional collection accounts also contain conflicting information, including XXXX XXXX ( multiple {$0.00} entries ) and XXXX XXXX XXXX, which lists XXXX XXXX XXXX XXXX  as the original creditor with a reported balance of {$120.00} ( which appears to be incorrect or incomplete ), along with another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a {$1200.00} balance with XXXX late status and an opened date of XX/XX/XXXX. These inconsistencies, duplications, and misreported late payments appear to be incorrect and are causing significant harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Funds restricted. 

Capital one completely restricted all of my funds, today marks the fourth day since this and my first bills have begun getting declined. The states reason for this is not verifying my address due to my account being opened online. They sent XXXX emails beginning XX/XX/XXXX none of which i saw as a busy XXXX XXXX XXXX  member i am occupied constantly, studying and working plus mandatory workouts. My first complaint they did not Call regarding this issue had they called requesting the information and telling me what would happen i would have taken action immediately. Anywho i was understanding and decided let me call. So i call on Friday now of course they pickup but this specific department which works with my issue only works weekdays XXXX so now i have to wait until the weekend passes to resolve this. It is unacceptable to prevent someone from spending their hard earned money and not allow them to resolve that issue immediately, money is required for absolutely everything and i have many things i need to purchase and do. I have bills? I wait the weekend and call early Monday a representative picks up and i spend over an hour calling because the link on these emails to load so i can upload my document verification does not load, i tried several devices on vpns, and off vpns and on different networks to no success. The call ended and that representative could not help so i call again at XXXX pm and this new representative files a form so that the XXXX department of capital one can send me a new link. I get the link it finally works and i upload the documents these representatives are very kind and they are not the issue. The next complaint and issue is that i need to spend now XXXX more days to wait for this to go through and i think thats unfair and unacceptable because now my bills are beginning to be unpaid and i have many things to do XXXX forbid if i had a family and dependents and this happened now i wouldnt be able to feed them or myself and it would be a mess. Thank goodness im in the XXXX  and they feed me but i still can not pay my bills or purchase my necessities. Every call, every message has been nothing but frustrating and the time required to wait is absurd, it might sound like its within their right, and like it is my fault, but I made XXXX long calls uploaded the documents and complied with them yet im being made to wait to spend my own money because they cant comply with us customers and it feels like financial abuse. I must mention that i worked in a bank and i understand how they work so i complied but even then it is downright unfair to prohibit my funds for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Issue : Incorrect Information on Credit Report / Debt Collector Reporting Inaccurately / Potential Illegal Re-Aging Company Named : LVNV Funding LLC Credit Bureau Involved : XXXX  Debt Type : Collection Account Reporting Incorrectly Amount Reported : {$430.00} I am filing a formal complaint regarding LVNV Funding LLC and XXXX  for reporting inaccurate, incomplete, and possibly illegally re-aged information on my credit report. 
LVNV Funding LLC is reporting a collection account under my XXXX file with the following issues : Conflicting Dates Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX ( same month as opened, no validated activity ) Balance updated : XX/XX/XXXX despite no proof of activity Past due as of XX/XX/XXXX with no original creditor information These inconsistencies fail the FCRA requirement for maximum possible accuracy ( FCRA 607 ( b ) ). 
No Original Creditor Listed There is no original creditor, no original balance, and no documentation attached to the account. This makes the information unverifiable and incomplete.

Possible Illegal Re-Aging LVNV appears to be updating the account to make it appear newer than it is, which violates : FCRA 605 ( c ) FCRA 623 ( a ) ( 5 ) Failure of LVNV to Provide Verification LVNV Funding LLC has not provided : The original creditor Proof of ownership The original agreement Date of first delinquency Any supporting documents Under FCRA 611 ( a ) and 623, unverifiable information must be deleted. 
XXXX  Failed to Conduct a Reasonable Investigation XXXX  continues reporting the account despite multiple factual errors, conflicting dates, and missing data. This violates : FCRA 611 ( a ) ( 1 ) ( reasonable investigation requirement ) FCRA 607 ( b ) ( maximum possible accuracy ) I am requesting that the CFPB require LVNV Funding LLC and XXXX  to : Provide full verification with actual original documentation OR Permanently delete the account from my XXXX  credit file Because the information is inaccurate, incomplete, inconsistent, and can not be verified, it should not remain on my consumer report. 

I want this LVNV Funding LLC collection account removed from my XXXX  credit report because LVNV did not provide full verification, including : Original creditor Original contract or agreement Chain of title True date of first delinquency Complete itemized balance documentation Full proof that LVNV owns and is legally allowed to collect this debt If they can not verify every detail, I request the CFPB to enforce immediate deletion for FCRA non-compliance. 
This account shows : Conflicting dates Illegal re-aging indicators No original creditor No original balance No documentation Reporting updates designed to make the account appear new This violates multiple sections of the Fair Credit Reporting Act. 
I am requesting CFPB oversight to ensure compliance and proper correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report inaccurate personal information about me. They are misspelling my name, and reporting addresses on my consumer report that dont belong to me. I have made them aware of this and they continue to do it. I do not live at the incorrect addresses listed, nor do I receive mail there. This is causing me financial harm by making me susceptible to identity theft and also causing me to miss important correspondence. I have attached my current ID that shows my current address.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Statement of Dispute and Identity Theft while in federal prison To Whom It May Concern : I am writing to formally dispute the loans and credit inquiries that were taken out in my name during a period when I was incarcerated in federal prison and actively participating in an intensive rehabilitation program. During this time, I had no ability to apply for credit, authorize financial activity, or communicate with outside institutions in any manner that would allow me to initiate these accounts. 

These loans and credit checks were made without my knowledge or consent and constitute identity theft. I have provided documentation proving my incarceration during the period in which these accounts were opened. 

Despite my attempts to resolve this matter, the above-referenced company has refused to work with me, acknowledge my circumstances, or assist in correcting the fraudulent information on my credit report. Their refusal is preventing me from clearing my credit and moving forward with my life. 

I respectfully request that the fraudulent accounts and inquiries be removed from my credit file and that proper action be taken to investigate this identity theft. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CL Holdings LLC
State: OH

Complaint narrative:
Statement of Dispute and Identity Theft while in federal prison To Whom It May Concern : I am writing to formally dispute the loans and credit inquiries that were taken out in my name during a period when I was incarcerated in federal prison and actively participating in an intensive rehabilitation program. During this time, I had no ability to apply for credit, authorize financial activity, or communicate with outside institutions in any manner that would allow me to initiate these accounts.

These loans and credit checks were made without my knowledge or consent and constitute identity theft. I have provided documentation proving my incarceration during the period in which these accounts were opened.

Despite my attempts to resolve this matter, the above-referenced company has refused to work with me, acknowledge my circumstances, or assist in correcting the fraudulent information on my credit report. Their refusal is preventing me from clearing my credit and moving forward with my life.

I respectfully request that the fraudulent accounts and inquiries be removed from my credit file and that proper action be taken to investigate this identity theft.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation