vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
I am filing a complaint regarding XXXX XXXX  handling of a dispute on my account. The disputed transaction is for {$1000.00} with [ merchant name ]. Capital One closed my dispute after accepting the merchants claim that I had canceled the transaction. I never canceled anything, and the merchants statement is false. 

I provided Capital One with all required documentation showing that the product/service was never delivered and that I did not initiate any cancellation. However, Capital One appears not to have reviewed any of my evidence. The resolution letter only repeated the merchants statement and did not address or acknowledge the documentation I submitted. 

It seems my dispute was decided solely based on the merchants claim, without any proper investigation or verification. Capital One then reversed a temporary credit and stated the case was closed, despite my evidence contradicting the merchants version of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedes Benz financial contacted a third party to discuss my debt owed. Yesterday, I was notified that Mercedes Benz contacted a relative and asked to speak to her son concerning me. She then requested her son to stop giving her phone number out so that she would not receive harassing phone calls. XXXX XXXX is and has never been associated with any debt owed to Mercedes Benz. My telephone number has not changed and I receive daily calls from Mercedes Benz so the idea that they are calling a third party shows intent to disparage my name by contact individuals who have no association to the loan.

Over a year ago, I requested paperwork from Mercedes Benz to register my car in NY when I moved from Georgia. However, they never sent the paperwork despite repeated requests. It has caused a hardship and limited my ability to use the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase XXXX XXXX XXXX Account Schedule C 1040 Filers Reopened without consent XX/XX/year>, XX/XX/year> XXXX XXXX total funds missing Exempt Organizations 990T Payments JP Morgan ChaseXXXX XXXX XXXX XX/XX/year> Amended Schedule C 1040 Return XXXX  account was turned in The Account of XXXX XXXX Designated XXXX XXXX was initiated without my permission $ XXXX missing XX/XX/year> $ XXXX transfer XXXX missing {$100.00} XXXX missing XXXX XXXX Designated XXXX XXXX FINRA Rule XXXX XXXX missing ( XXXX XXXX ) Corporate missing XXXX XXXX requested a W9 to use my individual purged identity after Already migrating a 4512 FINRA Rule account no XXXX  or Signature wet Belongings to my XXXX XXXX XXXX is stating my Corporate EIN as a individual causing MAJOR issues with IRS in obtaining Individual Transcripts XX/XX/year> XXXX weekly on Tuesday XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Company : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Furnisher illegally added new negative information after bankruptcy, during an active dispute, and after a CFPB complaint. 

Complaint Description : I am filing this complaint because XXXX XXXX has continued to provide inaccurate, misleading, and retaliatory information to XXXX  after my previous CFPB complaint ( Case # XXXX ) and after I disputed the accuracy of their reporting. 

Between XXXX XXXX XXXX, MEI added two new Repossession remarks to the same account that was previously the subject of my dispute. This caused an immediate XXXX drop in my XXXX  score. 

This action violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

Adding Repossession is inaccurate because the account had been discharged in XXXX  XXXX, and no repossession can be legally reported after discharge.

FCRA 1681s-2 ( b ) Furnishers may not modify or update an account negatively while it is in dispute or while a previous CFPB complaint is pending/closed on the same item.

MEI added new derogatory codes while the account was still disputed.

FCRA 1681i ( a ) ( 5 ) ( B ) Improper reinsertion.

New derogatory data can not be added without certifying accuracy to the CRA. I have not received any reinsertion notice.

Bankruptcy Code 524 ( a ) A discharged debt can not be reported in a way that suggests a repossession, balance owed, or negative action after discharge.

Retaliation for filing a CFPB complaint.

The new derogatory remarks were added immediately after MEI received notice of my CFPB case.

MEI has repeatedly misrepresented the FCRA, falsely claiming they are required by law to continue reporting the account for 10 years, even though the 10-year rule only applies to consumer reporting agencies ( CRAs ) regarding bankruptcy public recordsnot furnisher tradelines.

Requested Resolution : Remove the new Repossession remarks Remove or correct all inaccurate information associated with this account Conduct a compliant investigation under 1681s-2 ( b ) Cease retaliation or further negative updates Provide certification of accuracy or delete the tradeline entirely Notify XXXX  and any other CRAs of corrections I am attaching screenshots showing the negative Repossession remarks added between Nov 813, 2025.

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 2025-11-13 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:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: MN

Complaint narrative:
This group with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, steal mail, inheritances, identities. They stole my XXXX XXXX card, I havent been paid since XXXX. They stole the card, similar numbers but different expiration date, clone it, then send it. They take your money then give me XXXX. Im supposed to get XXXX, XXXX, plus my XXXX number they changed start date and number. The reroute payments from XXXX  or XXXX XXXX XXXX XXXX XXXX, on the XXXX, steal the majority then send me XXXX. XXXX redid all my taxes since XXXX then all the taxes I paid in. With her XXXX  accounting. Stole my whole families identities, all our taxes paid and switched the SS matrix. My card numbers on the XXXX XXXX are gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp
State: NC

Complaint narrative:
Debt was paid and closed but the account is still showing up as open with a balance @ the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This XXXX loan was included in my Chapter XXXX bankruptcy, which has already been removed from my credit file by Equifax. Since the bankruptcy public record is no longer verifiable, all accounts tied to that bankruptcy must also be removed under FCRA XXXX ( b ) and XXXX ( a ). 

Despite this, the bureaus continue to update and report the XXXX account as Derogatory and Transferred, without providing any permissible purpose or method of verification. 

I requested Method of Verification under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), but no bureau has provided the furnisher, verification contact, or certification. This makes the account legally unverifiable. 

Additionally, payment history and status codes tied to a removed bankruptcy are factually inaccurate and misleading. 

Requested Resolution : XXXX. Permanently delete the XXXX account from my credit file. 
XXXX. Provide full verification records and furnisher certification. 
XXXX. Ensure reporting matches XXXX corrected data across all bureaus. 
XXXX. Remove any remaining bankruptcy-related remarks from all tradelines tied to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express for the abrupt and procedurally unfair cancellation of my XXXX XXXX account, which occurred without adequate notice, opportunity to cure, or meaningful communicationdespite my active efforts to resolve a single returned payment. 
Timeline of Events : 1. Returned Payment & Account Hold : A payment I submitted was returned due to insufficient funds. American Express immediately placed a hold on my account. I was already in the process of securing funds to rectify this and intended to bring the account current within days. 
XXXX. Live Chat with Customer Service ( During Active Resolution ) : While the hold was in place, I initiated a real-time chat with an American Express representative XXXX I explicitly asked how to resolve the account and restore full functionality. At no point did the agent warn me that my card was at risk of permanent cancellation, nor did they advise that immediate action was required to prevent closure. This was a critical missed opportunity for disclosure. 
XXXX. Sudden Cancellation Without Warning : Just days laterbefore I could make the corrective paymentI received an Apple Wallet notification stating my card had been canceled. I was shocked, as I had received no phone call, no text alert, and no prominent in-app warning indicating imminent closure.

4. Post-Cancellation Contact : I immediately called and chatted with multiple representatives. I explained that : The cancellation felt punitive and disproportionate for a returned payment, especially without clear prior notice of consequences.Every representative refused reinstatement, stating only that an email was sent. I never saw this emailit was not flagged as urgent, not sent via push notification, text, or phone, and was buried in routine communications. Relying solely on email for such a severe action is unreasonable and ineffective, particularly when I was already in direct contact with Amex through chat. 
Why This Cancellation Was Unfair and Non-Compliant : Lack of Meaningful Notice : Amex failed to provide clear, conspicuous, or multi-channel notice that cancellation was imminent. A single emailespecially one not marked as urgent and sent during active customer engagementdoes not constitute fair warning.

No Opportunity to Cure : I was denied a reasonable chance, despite being in direct communication with Amex and expressing intent to pay. 
Disproportionate Action : Canceling a high-value, long-standing account over a returned payment, without escalation or warning during live support interactions, is excessive and punitive.

Reliance on Card Benefits : I depend on this card daily for travel, lounge access, credits, and purchase protection. The sudden loss of these benefitswithout due processhas caused significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-11-13 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: GA

Complaint narrative:
About a year ago I entered I entered into a hardship payment program with XXXXXXXX XXXX XXXX The program lowered my payment to {$10.00} a month until paid off. They advised me after 3 consecutive on time payments they would re-age my account which I understood it to mean they would make the {$10.00} payment permanent after the 3 payments. 

What I was never advised or told was that during the 3 initial {$10.00} payments they would report it as late payments on my credit report. I called and complained about it after noticing they were reporting me as late. They advised me after the 3 consecutive payments were made they would re-age my account to reflect no late payments and a 100 % on-time payment history as long as I made my payments on time. 

I have made every payment on time as well as paid off the account to a XXXX balance, but they keep reporting to all XXXX credit reporting agencies that I have had 3 late payments, when the truth is I was never late and my account should have been re-aged to reflect a perfect pay history. 

This is affecting my credit scoring and my ability to obtain proper credit.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-11-13 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I am writing to dispute the accuracy of the following information on my credit report. The details of the accounts I am disputing are as follows : Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-13 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Cease and Desist Notice Under 15 U.S.C. 1692c ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Account XXXXXXXX XXXXXXXX To Whom It May Concern : This letter is a formal notice to cease and desist all communication with me regarding the above-referenced alleged debt, in accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I hereby demand that you and any of your agents, affiliates, or representatives immediately stop all contact with me, my family, or my place of employment regarding this matter. You are further advised that this notice serves as a refusal to pay and a dispute of the alleged debt. 

Under federal law, the only further communication you may send to me is XXXX of the following : Notice that your collection efforts are being terminated ; or Notice that you may invoke specific legal remedies that are expressly permitted by law. 

Any further communication beyond those permitted exceptions will be considered a violation of federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals Office for enforcement action. I also reserve the right to pursue any available remedies under the FDCPA and applicable state laws. 

Please note that this letter does not constitute an acknowledgment or validation of the alleged debt, nor does it waive any of my rights under state or federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Theres a XXXX XXXX XXXX XXXX  account showing up on my credit report, but its not mine. I never opened or applied for this account, and I think it might be fraud or identity theft. Its hurting my credit, and I just want it investigated and taken off my report. Ive already disputed it with the credit bureaus, but Im filing this complaint so it can be fully looked into and fixed.

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 2025-11-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Theres a Barclays XXXX XXXX credit account showing up on my credit report, but its not mine. I never opened or applied for this account, and I think it might be fraud or identity theft. Its hurting my credit, and I just want it investigated and taken off my report. Ive already disputed it with the credit bureaus, but Im filing this complaint so it can be fully looked into and fixed.

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