vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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:
I do not authorize these transactions and need them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 26 U.S.C. 508 ( c ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX ] XXXX Date : [ Insert Todays Date ] Sent via Certified Mail No. : [ Insert Number ] TO : Capital One Financial Corporation XXXX Capital One XXXX XXXX, XXXX XXXXXXXX RE : Demand for XXXX XXXX XXXX Public Liability Inquiry Account Reference : XXXX Violation of Religious and Commercial Capacity Demand for Fiduciary Disclosure To Whom It May Concern at Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX federally exempt religious trust under 26 U.S.C. 508 ( c ) ( 1 ) ( A ) and protected under the First Amendment to the U.S. Constitution, hereby demand full disclosure of the surety bond, fidelity bond, public official bond, or liability insurance associated with your institutions commercial activityspecifically in relation to the above-referenced account. 

This request is made in accordance with my religious and commercial right to full disclosure, equitable remedy, and administrative due process as a Secured Party Creditor and Authorized Religious Trustee operating under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your institutions activity in this matter has created both fiduciary obligation and exposure to liability, requiring immediate bonding verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
CASH APP HAS ALLOWED SCAMMERS TO REPEATEDLY TAKE UNAUTHORIZED MONEY, AMOUNTING IN XXXX DOLLARS. 

THEY HAVE NOT REFUNDED ANY OF MY MONEY DESPITE ME REFUTING THESE TRANSACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
Please delete these fraudulent accounts and addresses from my credit report. I have never lived at XXXX XXXX or XXXX XXXX XXXX XXXX. I have also never had any of the accounts below. 

Please Delete these fraudulent Accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete these fraudulent inquiries 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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed information on my credit file as I thought it was past the 7 year mark. Due to this The XXXX XXXX and whom they sold the account to repeatedly call from unknown numbers at least 10-20 times a day. It has been since early XX/XX/year>. They call from unknown numbers, no caller Id, area codes XXXX, XXXX, XXXX, international numbers and sometimes from an area code of XXXX which appears as my phone number area codes. They often claim they are law enforcement serving me. I answered a couple of times for the recording to connect me with an agent. These calls can start as early as XXXX XXXX  and as late as XXXX PST

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/year> I got a text message saying I would get matched for any payment I made. So I made a XXXX payment. When the match never happened I called to find out why. I was told the account had been closed since XXXX. However, I have been getting information that suggests the account is open. I have been making payments not knowing what had happened. You provided false advertising. You mislead your customers into believing XXXX thing when you have already taken a stance. I did not know my account was closed. I keep getting messages from you and making payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On or about XX/XX/year> I called Transunion Credit Bureau about inquiries on my current consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA 605b ( 15 U.S.C 1681C-2 ) and 15 USC 1681b . The inquiries in question are as follows : XXXX ) TRANS UNION NA via XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year>

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX closed my credit card account after migrating it to another institution, but they are still reporting the account as active with a balance of {$1800.00} on my XXXX report. This is incorrect. I do not have any outstanding balance with them, and I was notified that the account would be closed as part of their migration process. 

When I contacted XXXX about the incorrect reporting, they told me that they no longer manage the account information and that I should contact XXXX  instead. I did reach out to XXXX, but I received no response or clarification regarding the account linked to XXXX. 

To make matters worse, only XXXX continues to report the account as active. Both XXXX and XXXX have already stopped reporting it, yet XXXX still shows the account with a balance, which artificially inflates my credit utilization and is negatively affecting my credit score.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: ID

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX XXXX and on XX/XX/year> I send them a letter requested a copy of : 1. Show me the ORIGINAL NOT A COPY of the contract with my signature on the original application.

2. Show me something where you loaned me something of value 3. Show me where you risked assets 4. Show me verification of the debt per 15 USC 1692 ( g ) 5. Proof of ownership to collect the debt that you authorize to collect a debt You are illegally attempting to collect an alleged debt and money that I do not owe. 

I sent them a letter on XX/XX/XXXX requesting the following documents and I gave them 10 days to respond. I did not anything from then until a letter dated XX/XX/year>, which they did not provide the documents I requested in the timeframe I requested which is a violation of my consumer rights. 

They sent 20 pages of statements ( I could not upload all ). Which is not what I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: KY

Complaint narrative:
I am disputing how XXXX XXXX is reporting an auto loan account on my credit reports. They are reporting missed payments inaccurately, listing the account as charged off when I voluntarily repossessed the vehicle, and keeping the account marked as open when it should be closed. I never received documentation showing how much the car was sold for. I previously filed disputes with TransUnion and XXXX XXXX but received no valid results. Ive attached a full letter outlining all inaccuracies, legal concerns, and my request for complete deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am disputing how XXXX XXXX is reporting an auto loan account on my credit reports. They are reporting missed payments inaccurately, listing the account as charged off when I voluntarily repossessed the vehicle, and keeping the account marked as open when it should be closed. I never received documentation showing how much the car was sold for. I previously filed disputes with TransUnion and XXXX XXXX but received no valid results. Ive attached a full letter outlining all inaccuracies, legal concerns, and my request for complete deletion of the account.

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 2025-06-01 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:
Please remove these fraudulent addresses and accounts from my credit report. I have included a copy of the identity theft report and my Drivers License and SSN card XXXX XXXX  {$4900.00} XXXX XXXX  {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX = balance {$22000.00} XXXX XXXX XXXX  = balance {$16000.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Please delete these addresses. I have never lived at either of the addresses below. 

XXXX XXXX XXXX XXXXXXXX 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 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
None of the listed reasons apply, so I will do my best to explain this. 

On XX/XX/XXXX, I attempted to purchase what I thought, was some old coins as advertised on a XXXX XXXX coin buy/resell page. The FB page name is XXXX XXXX. I checked their page ; been on FB for a number of years. No listed issues on their page. I chose XXXX as the method of payment. Later did I realize that XXXX would do nothing to assist. I have the complete conversation back and forth on FB Chat, showing I asked for my money back many times. The young man, and his GF, were able to " take me '' for a total of {$400.00}. 

Only after much reflection, I now realize I did NOT see the warning signs, pointing to a rip-off. I am not a veteran at online purchases, and just didn't see the warning signs. For that, I am to be the loser here? The young man and his GF, did receive the money he was asking for ; THAT being the reason WFB closed the fraud claim. I tried to talk to XXXX, explaining to them, that this young man is ripping people off and using THEIR app to do it. I have his name, his phone number, the XXXX transaction IDs, the last XXXX digits of HIS bank account. 

I did a background check on his name and phone number, and found out where he lives. This young man is a criminal. He was arrested in a fatal hit-and-run case in 2023, in the same town where his background check shows he is currently living. He has one, possibly two different FB pages .. One of them leads me to believe its the same young man ; even has selfies, so I at least can put a face to the little thief. 

This went back and forth on FB Chat for like 4 days.... When he came back and said I needed to send an additional {$200.00} to " process city permits '' only then did I realize I had been ripped off. He didn't flinch when I said I would start an investigation into this, because he KNEW the transaction had been processed and now I was out that money. I have all of this information. The complete FB Chat, pictures of his FB account, the posting of what I was trying to buy, copy/paste of the White Pages info I accessed to find out who he is. HE needs to be stopped. I am at a loss. I am on SSI.. I wanted to treat myself to this purchase, thinking I might get lucky with an old coin worth something. If that didn't pan out, then I had some silver at least.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A while ago I noticed that there were so many weird things on my credit & I can not even guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies & the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Hello, I am trying every way possible to reach speedycash for help as I can not call and they have refused to help me via email 10 tines and never have a supervisor email me when I ask. Not even 1 time. I have tried for a very long time to get help and I am at the bottom of the barrel at this point. I can't even get a response on XXXX when I file a complaint. I have had a speedy cash account for about 4 years. I have paid the loan off 2 or 3 times and reborrowed later. At this point, I have a major hardship. I can not pay a XXXX. I can not do anything at all until my situation resolves. The interest keeps piling up, only adding insult to injury. I have had 3 family members pass away this year and have been XXXX XXXX  from my job as well. I am beyond financially burdened and don't want this loan to be sold to collections or even worse, be sued. I have been a great customer until now, because I literally have no other choice. It's either pay this loan or be homeless and have no food. I am asking in good faith and good will, to PLEASE wipe my balance clean and close my account for good. Please do this as it's the right thing to do. You have already gotten way more money back than I have ever borrowed. You have made your money, now please let 's part ways. I am begging you. I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I WAS NEVER LATE! MY HUSBAND AND I WENT ROUNDS AND ROUNDS BACK AND FORTH WITH THE BRANCH XXXX XXXX XXXX AND THE CORPORATE HEADQUARTERS CUSTOMER SERVICE DIVISION ( WHICH ARE CLAIMED TO BE SEPARATE WITHIN THE COMPANY AND ONE CAN NOT SEE THE OTHERS NOTES NOR HAVE THE ABILITY TO CORRECT OR INFLUENCE EACH OTHER WITHIN THE SAME COMPANY... MAKES NO SENSE IN THIS MODERN ERA ). IN EITHER CASE NEITHER BRANCH NOR THE CUSTOMER SERVICE DIVISION COULD FIX THE ISSUE AND STATED IT'S BEST TO TAKE IT UP WITH THE 3 CREDIT BUREAUS TO FIX " MISTAKE ''. BOTTOM LINE IS THE LATE PAYMENT SHOWING IN XX/XX/XXXX IS FALSE. I have included in my packet of information to support the claim that Late Payment showing on my Consumer Credit Bureaus : Equifax, Transunion, and Experian is FALSE! I wrote a detailed explanation via email to the Branch XXXX XXXX Location in XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) where I live, on XX/XX/XXXX. My " deep concern and somewhat angst '' over the " late payment '' on the XXXX Mortgage XXXXine of Credit that showed XX/XX/XXXX payment as being late, was NOT due to the fact that we did not have the money. As you will see as proof in the STATEMENTS from Checking and Savings for both XXXX ( my husband ) and myself, we as the owners of this loan, had PLENTY of money to cover the note. In fact, there has NEVER been an issue. The issue was lack of communication with the bank branch level when we were supposed to be connected to overdraft or auto pull from savings and peripheral accounts where our additional monies are held outside of the LOAN ACCT for payments. Also in early XXXX of XXXX, on a separate visit my husband XXXX and I went into the local XXXX branch and spoke to an employee and specifically asked if we could check the levels on our accounts to make sure there was plenty to cover the XXXX Mortgage Payment account ending XXXX, and we were told Yes, more than enough! So then all of the sudden the money is there in my checking account ending in XXXX and then also XXXX ending in XXXX. Additionally, we have NEVER been late since the inception of the XXXX Mortgage XXXX, and when you look at XXXX and my personal credit reports, we have NEVER missed any payments to any creditor or obligations we hold in XXXX years! We are asking respectfully to remove these late marks from both mine and XXXX consumer credit reports at all XXXX ( XXXX ) credit bureaus : Experian, Equifax, and Transunion. PLEASE SEE ALL DOCUMENTS PROVIDED TO SUPPORT THIS CLAIM. Thank you!, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
License attached for verification purposes. 

I am submitting this formal complaint regarding EXPERIANS failure to correct inaccurate personal information on my credit report, despite previously providing proper verification and documentation. Specifically, EXPERIAN is inaccurately reporting the names XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  on my credit profile. This is not my legal name. My correct legal name is 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