vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account XXXX : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of XXXX Merchant name : XXXX XXXX CARD Amount charged : {$7300.00} XXXX became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity. 

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ]. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

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 2025-05-09 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account XXXX : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of XXXX Merchant name : XXXX XXXX XXXX  Amount charged : {$7300.00} I became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount.

Enclosed are copies of [ supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute ].

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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 formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

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 2025-05-09 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 am sending to formally dispute the repossession record on my credit report pertaining to the vehicle, which was financed through your institution under account number XXXX XXXX XXXX XXXX XXXX I believe that the repossession was conducted in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Metro 2 Laws, and the Uniform Commercial Code ( UCC ) laws for car repossession reporting. I kindly request your investigation into the matter and, if warranted, the removal of the repossession record from my credit report. 

As a consumer protected by the FCRA, I have the right to challenge any inaccurate or incomplete information on my credit report. Furthermore, both the FDCPA and the UCC laws outline specific guidelines for the lawful repossession and subsequent reporting of secured vehicles. I assert that the repossession of my vehicle did not align with these provisions due to the following reasons : Violation of Notice and Right to Cure Default : According to [ applicable state law or relevant section of the FDCPA/UCC ] , it is mandated that creditors provide written notice of default and an opportunity to cure it before proceeding with repossession. Regrettably, in my case, I did not receive any such notice or an opportunity to rectify the default prior to the repossession.

Breach of Peace during Repossession : The repossession agent engaged in actions that violated the " breach of peace '' provision as outlined in Section 9-609 of the UCC.

In light of these concerns, I earnestly request a thorough investigation of the repossession process, focusing on compliance with the required notices and adherence to consumer protection laws. If your investigation uncovers any violations of these laws, I kindly request the removal of the repossession record from my credit report in accordance with Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which stipulates the provision of accurate information to credit reporting agencies.

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 2025-05-09 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX * * * * Balance : {$0.00}

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and suppress from sharing ANY information about me : XXXX XXXX XXXX 

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. 

I would like to have my entire credit file REMOVED from your data institution. Please complete my following requests : Provide my Full Consumer File Disclosure of my credit profile : A complete overview, the set of documents & procedures and snapshot of my character including any credit information in association to my name and/or address listed in this document. 
Place a Security Freeze and suppress from sharing of any information about me to any other parties, unless otherwise expressly permitted by me in writing. 
Once completed, kindly write back no later than ( 5 ) days to confirm that you have in fact, placed a security freeze on my information as well as provide me with the information needed to verify the details of my information suppression. 

My Personal Information is clearly shown below : FULL NAME : XXXX XXXX XXXX : ( XXXX ) XXXX SS # : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX XXXX, Michigan XXXX After this credit freeze has been filed, please send me written confirmation to the address listed above. 

Sincerely, Note : Attached you will find my drivers license. Please do not retain on record. Upon confirmation of my identity, you will need to purge the copy of the Drivers License attached. I do not authorize your company to store or share any of my Personal Identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
In response to previous complaints below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account ( s ) came back which is not mine. In addition, I uploaded documents to verify my identity again and FTC report from before. Please remove and block this fraudulent account per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. You have 4 days to remove and block said items/accounts. Also, as far as collections I would like to see the original contract and assignment contract of the account to clarify that is my debt. Also, I want to make sure that the collection agencies are licensed and bonded to collect debt in the state of Pennsylvania. 

Account 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 2025-05-09 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: Westlake Services, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the information being reported on my credit file regarding an account listed as XXXX XXXX, account number XXXX. According to my recent credit report, this account is showing a balance owed of {$19000.00}, which I believe is either inaccurate, outdated, or unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint against Capital One Auto Finance regarding a XXXX auto loan agreement I entered on XX/XX/XXXX, for a XXXX XXXX XXXX XXXX XXXX. The company has failed to return my original promissory note or provide proof of lawful possession. I now have evidence that the note was securitized into a trust ( Capital One XXXX XXXX XXXX XXXXXXXX XXXX ) without my knowledge or consent. 

Capital One enriched itself through the sale of this negotiable instrumentpossibly multiple timeswhile continuing to report a balance as if the debt remained on their books. This is misleading and violates both federal disclosure standards and XXXX accounting rules. Despite my formal requests for validation, return of the instrument, and substantiation under XXXX XXXX, Capital One has ignored or refused to address the core issue : that the loan was satisfied by monetization and assignment. 

I also did not receive an IRS Form XXXX or XXXX, and no accounting has been provided to explain the tax treatment or gain from the sale of the note into the asset-backed security pool. They continue to report the account as charged off without clarification of who actually owns the obligation. 

I am requesting the CFPB investigate the securitization process, demand full disclosure of trust assignments, XXXX compliance, and accounting of proceeds gained through the sale of my asset. This is not just a billing errorits systemic fraud and unjust enrichment through deceptive financial engineering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
On 2 separate dates my account was increased XXXX, XXXX. My account had monthly payments being made. 
XX/XX/XXXX XX/XX/XXXX This affected my credit score as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
A lot of inaccuracy on my credit report after I reviewed it recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding the continued reporting of a 30-day late payment from XX/XX/XXXX on my fully paid and closed auto loan with XXXX XXXX XXXX XXXX According to my credit report, the account was opened on XX/XX/XXXX, and paid in full and closed with a {$0.00} balance on XX/XX/XXXX. 

Throughout the life of this loan, I maintained a perfect payment history, except for this single isolated late payment reported at the very end of the loan, when the account was already being finalized and closed. This entry is disproportionate, unfair, and misleading, as it misrepresents my overall responsible payment history and damages my credit profile. 

I submitted a formal goodwill adjustment request to XXXX XXXX XXXX on XX/XX/XXXX, asking them to remove this single negative mark, based on my consistent payment record, full payoff, and account closure with no balance. I cited my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires that reported information be fair, accurate, and complete in context. 

Despite my request, the negative mark remains on my credit report. I am now seeking CFPB assistance to have this unjust single late payment removed from my record.

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 2025-05-09 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: PA

Complaint narrative:
In response to previous complaints below. I have issued for said items/accounts to be removed and blocked. Items/accounts were removed and blocked but this account ( XXXX ) came back which is not mine. In addition, I uploaded documents to verify my identity again and FTC report from before. Please remove and block this fraudulent account per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. You have 4 days to remove and block said items/accounts. Also, as far as collections I would like to see the original contract and assignment contract of the account to clarify that is my debt. Also, I want to make sure that the collection agencies are licensed and bonded to collect debt in the state of Pennsylvania. 

Accounts XXXX XXXXXXXX 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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
It's very complicated and I think it's better if I should share the proof the bank knew and refused to stop the theft multiple times with an actual agent when I can enter a statement and I have multiple police departments from multiple cities already reporting on it and investing

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has engaged in deceptive practices by promoting their currency exchange as having no fees, and then deceptively charging the consumer by using an inflated exchange rate without ever disclosing that to the consumer. 

On XX/XX/year> I saw that US bank was offering online currency exchanges with no fees. Because they there were no fees, I decided to exchange XXXX USD into euros for my upcoming trip to XXXX. Through my account with US Bank I submitted my request online. At no time did US Bank inform me that the exchange rate they were using was inflated. 
I got a email saying I could pick up my euros on XX/XX/year> at the US Bank on XXXX XXXX XXXX XXXX in XXXX, CA. 

On XX/XX/year> I picked up the euros from the bank and signed for them. It seemed like the amount of euros was less that the amount I should have gotten. When I got out to my car and checked the exchange rate on the day I ordered the euros, I saw it was much less than the rate US Bank had charged me. I went back into the bank and they said that no fees didnt include the money they made by raising the amount of the exchange rate. They also commented that other people had made the same complaint. 

I was charged a fee of about {$40.00} for the currency exchange which was completely wrong because if I had known about that fee I never would have made that currency exchange. 

I want my money back and I want US Bank to stop advertising that their currency exchange has no fees.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The accounts are charged off and I have requested XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MO

Complaint narrative:
On XX/XX/year> reporting agencies gave improper information to credit bureaus without my consent. 
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 2025-05-09 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the credit reporting agencies for validation of debt, however the information has not been provided. Due to my information being exposed, Please see attached copy of my ID,, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter and Affidavit.

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