vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXXCapital One - Capital one claims i took out their credit card in XXXX  which i did not. and Capital One and XXXX XXXX XXXX did not properly serve me papers or billing... i never signed a contract either.Capital One gave the fraud account to XXXX XXXX XXXX and they did serve me or notify me of owning a credit card and they processed a credit card to a different address of where i never livedXXXX XXXXI am writing to formally file a complaint regarding a matter involving improper debt collection practices, lack of proper service, and what I believe to be judgment fraud.XXXXThe issue concerns a debt allegedly owed by a family member, which has resulted in legal actions that I believe were initiated without proper notification or due process. SpecificallyXXXX Improper Service: No valid notice of legal proceedings was ever served to the individual in question, nor was there any opportunity to respond or contest the claim.XXXX Judgment Fraud: A default judgment appears to have been entered under questionable circumstances, possibly without the court verifying that service was completed.XXXX  Debt Collection Misconduct: The entity pursuing this debt has failed to provide verification, and their communications have been misleading, coercive, and lacking transparency.XXXXThis situation has caused significant distress to my family, particularly my elderly father, who is being unfairly burdened by financial obligations that were never properly adjudicated. I am requesting that your office investigate this matter and assist in ensuring that our consumer rights are upheld.XXXXAttached are copies of relevant documents, including correspondence with the debt collector, court records (if available), and any other supporting materials.XXXXPlease confirm receipt of this complaint and advise on the next steps. I am prepared to provide additional information or speak with an investigator if needed.XXXXThank you for your attention to this matter and for your continued advocacy on behalf of New York consumers.XXXXSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Block, Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing on behalf of XXXX XXXX XXXX XXXX XXXX to file a formal complaint against Square , Inc., regarding their mishandling of a chargeback dispute that resulted in a fraudulent financial loss to my business. 

Background of the Transaction Transaction Amount : {$2400.00} Item Sold : Auto engine ( token engine for a vehicle ) Transaction Method : Processed through Square , Inc. 
Delivery : The engine was physically delivered and dropped off at a mechanic shop designated by the customer, where it was installed by a licensed mechanic. 

The Fraudulent Chargeback The customer fraudulently disputed the charge by claiming the product was never received. This is false. I submitted extensive evidence to Square, including : Proof of delivery and installation at the mechanic shop. 
Full communications with the customer. 
The complete name and address of the mechanic shop where the engine was dropped off and installed. 

Squares Mishandling Despite providing all required documentation, Square failed to submit my evidence to the cardholders issuing bank. As a direct result of Squares negligence, my business unfairly lost {$2400.00}. 

This is not just a case of customer fraudit is also Squares incompetence and failure to act responsibly in the chargeback process. Their refusal or inability to forward clear, verifiable evidence demonstrates a lack of proper compliance and consumer protection standards. 

Pattern of Negligence Squares operations rely heavily on outsourced, unqualified support staff who are not properly trained in U.S. laws and credit dispute procedures. Their lack of accountability and mishandling of disputes leaves small businesses like mine unprotected against fraud. 

Requested Action I respectfully request that the CFPB : XXXX. Investigate Squares chargeback dispute practices and handling of merchant evidence. 
2. Require Square to reimburse XXXX XXXX XXXX XXXX XXXX for the {$2400.00} lost due to their negligence. 
3. Review Squares compliance with federal standards regarding fair credit dispute resolution. 

Squares mishandling of this dispute has caused my business a significant financial loss and raises serious concerns about their practices affecting thousands of other small businesses. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed an identity theft report with the FTC because I found fraudulent names, addresses, employment information, and inquiries on my Equifax report. In addition to the inquiries listed in my report there was a fraudulent inquiry from XXXX XXXX XXXX XX/XX/year>, and from XXXX on XXXXXXXX XXXX XXXX  Please remove these fraudulent names, addresses, inquiries, and employment information from my Equifax report as they are hindering my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MO

Complaint narrative:
I have requested information how XXXX XXXX reports information about my auto account. I have struggled to get accurate data and sent them letters in the past asking even for a goodwill gesture to even get them to help me resolve this issue without involving the government for help. I have started with each bureau credit reporting company XXXX XXXX, and Equifax for help understanding my file and who is correct. Covid had happened, and my car was stolen in XXXX XXXXXXXX, I was waiting for insurance to pay out on my claim. I have attached each of my credit reports for XXXX XXXX, and XXXXXXXX XXXX is reporting XXXX late 5 times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days. Im tired, and I feel defeated. I am asking for help or at least try and understand better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Request for Debt Validation pursuant to 15 U.S.C. 1692g\nTo Whom It May Concern:\nThis letter is a formal notice that I dispute the alleged debt referenced in your recent communication. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.\n1692g, I am exercising my right to request full validation of this debt. Until you provide the required documentation, you must cease all collection activity.\nPlease provide the following:\n1. Proof of the alleged debt - including the name of the original creditor, the amount, and an itemized accounting of all charges, interest, fees, and payments.\n2. A copy of the original signed contract or agreement bearing my signature that establishes the alleged obligation.\n3. Verification of your legal authority to collect this debt, including proof of assignment or ownership of the debt, as required under 15 U.S.C. 1692e.\n4. A complete chain of title from the original creditor to your agency.\n5. Proof that the statute of limitations has not expired for this alleged debt in my state.\nPlease also note:\n- Any attempt to report this alleged debt to a credit reporting agency without proper validation will constitute a violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681s-2(a).\n- Continued collection activity without providing validation is a direct violation of 15 U.S.C.\n1692g(b) and may result in legal action.\n- You must not engage in any form of harassment, threats, or misrepresentation, as prohibited by 15 U.S.C. 1692d and 1692e.\nIf you cannot provide the above-requested documents, you must immediately:\n- Cease all collection efforts,\n- Remove any negative reporting from all credit bureaus, and\n- Confirm in writing that this matter is closed.\nThis letter is not a refusal to pay but a notice that your claim is disputed. I am requesting\nvalidation as required by law. Please respond within 30 days as mandated by the FDCPA.\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Complaint Against Care Credit Denial of Dispute Rights Care Credit refused to allow me to dispute a {$1600.00} charge to XXXX XXXX XXXX, even though the services I paid for were never completed. I attempted to file disputes multiple times, but each time I was turned away. 

Original charge : {$1600.00} on XX/XX/XXXX Bankruptcy timeline : XXXX XXXX XXXX filed for bankruptcy in XX/XX/XXXX and closed its business in XX/XX/XXXX. 

Treatment status : I was still in active treatment at the time of their closure. For example, on XX/XX/XXXX, XXXX  XXXX emailed me instructing me to continue treatment, proving I was still a patient. On XX/XX/XXXX, I visited their office for a rescan and was promised new aligners, but I never received them. Shortly after, I received an email stating the business had ceased operations. 

Unmet service : My treatment was never completed, my teeth were never straightened, and I did not receive the last set of aligners I paid for. 

I have multiple emails showing that I expressed dissatisfaction and requested a refund from XXXX XXXX XXXX before they closed, but my requests were denied. After the closure, I attempted to dispute the charge with Care Credit in XXXX, but they refused, stating I could not dispute because the company had gone bankrupt. 

This is not a valid reason to deny a dispute. Under the Fair Credit Billing Act ( FCBA ), creditors are required to investigate and resolve disputes for billing errors or services not rendered. Care Credits refusal to process my disputes denied me my consumer rights under federal law. 

I called again in XX/XX/XXXX and was told I could now file a dispute, but that it was unlikely to succeed because the charge was too old. I was also told they should have accepted my dispute when I first called, which confirms that Care Credit mishandled this matter. 

I am currently at a loss of {$1600.00} for services never provided. Many other consumers impacted by XXXX XXXX XXXX closure have received refunds through Care Credit for the exact same issue, showing inconsistent treatment of consumers. ( according to what I have read online )

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding GoodLeap, LLC, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, under the " Debt Collection '' category for an " Installment Loan '' related to solar panel financing. The debt was discharged in my XXXX XXXX XXXX bankruptcy ( XXXX XXXX. XXXX ) by the XXXX XXXX XXXX XXXX  with notice provided to GoodLeap via XXXX XXXXXXXX Despite this, GoodLeap sent emails on XX/XX/XXXX, and a repeat, labeling my account past due, offering a payoff quote, and threatening collections, violating 11 U.S.C. 524. This fixture filing ( UCC # XXXX ) was flagged by my title company, requiring termination before my home sale closing ( flexible XX/XX/XXXX ), hindering my fresh start and new home purchase. My attorney, XXXX XXXX, filed a sanctions motion on XX/XX/XXXX, with a hearing on XX/XX/XXXX, and I sent a demand email on XX/XX/XXXX, with a deadline of XX/XX/XXXX, which they ignored. I request the CFPB to compel GoodLeap to cease collections, terminate the lien via UCC-3, and provide compensation for the violation. Attachments include GoodLeaps emails, payoff quote, UCC document, bankruptcy discharge order, sanctions motion, and title company response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-19 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act Convergent XXXX  XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Transunion under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days. 
Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ). 
More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period. 
Provide the results of the reinvestigation and the verification procedures. 
Remove unverifiable information from my report. 
As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Monarch Recovery Holdings, Inc.
State: WY

Complaint narrative:
this charge was charged off and the appeared on my credit report as of XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: FL

Complaint narrative:
I received multiple calls from XXXX advised payment was missed and asked for debt verification since payments were transferred from another company. I requested debt verification and was told from the representative that I had the information. Refused to email or mail documents to me the consumer. I was told that I can write the account number down by hand to make payment and no offering of verification.

Company response to consumer: Closed with explanation