vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX Credit Collection Services Account XXXX Date : XX/XX/year> Credit Collection Services XXXX XXXX Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, I formally dispute the alleged debt referenced above and request validation under the FDCPA. Provide all required documentation showing that the debt is mine and legally collectible. 

Stop all collection and reporting activity until validation is supplied. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
In XX/XX/XXXX I had an XXXX XXXXXXXX and was unable to work for several months and then just as I was getting back to work, my husband was diagnosed with a XXXX XXXXXXXX XXXX. Once it was removed he underwent XXXX rounds of XXXX XXXX hours away. Anyway, we are self employed and this, among other life issues caused us to get behind on our credit cards. Several of our personal capital one accounts were charged off. 
In XXXX if this year a water line broke in our house causing over XXXX dollars in damages. We have been unable to live in our house since. We've been going back and forth about getting funds up front to begin repairs. We finally received a down payment check from our mortgage company to begin repairs ( they have been holding the funds from the insurance company ). Anyway, recently, we opened a personal checking account so we could deposit these checks. I then, recently, added that personal account to my XXXX XXXX Capital One credit card and made a couple of large payments so we could make purchases. We did this to get the special promotions only offered with the card. On XX/XX/XXXX and XX/XX/XXXX we made purchases at XXXX with that card and throughout that week various other places. We had plans to purchase more items until our card didn't work and we were told capital one garnished over {$600.00} for an old account. Also - we were charged a {$10.00} fee for the garnishment from our bank. AND This WAS NOT OUR PERSONAL MONEY! It was insurance money that was paid to our mortgage company to repair our home, then to us!!! Also, we are in the beginning conversations with a bankruptcy attorney about all of this, but hadn't had a chance to meet and follow through yet due to finances. It has been a rough several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 
As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.

ACCOUNTS : 1 ) XXXX  XXXX XXXX date opened XX/XX/XXXX 2 ) XXXX XXXX date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
After checking my credit report I noticed did inquiries reported that I do not recognize.

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 2025-11-27 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: CA

Complaint narrative:
I am reporting Experian for unlawfully furnishing and reporting a XXXX XXXX XXXX XXXX account on my personal consumer report, even though this obligation is strictly a business/commercial account and does not fall under the scope of consumer reporting under FCRA 603 ( c ) and 603 ( d ) Experian reported this account with derogatory statuses, including late payments, high balances, and charge-offs, despite it being clearly labeled as a business/commercial revolving account, which creates no consumer liability and carries no permissible purpose for consumer reporting under FCRA 604 Experian has therefore violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy and FCRA 611 by failing to obtain verifiable evidence of consumer liabilitywhich XXXX can not provide because no consumer contract, personal guarantee, or consumer credit application exists for this commercial account XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Between XXXX XXXX XXXX, I made six legitimate ACH deposits totaling {$3800.00} USD from my verified U.S. bank account 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  Successful Every deposit was instantly pre-credited by Binance.US. Using those pre-credited funds I purchased a total of XXXX XXXX and paid approximately {$21.00} USD in trading fees + BNB fees ( full purchase orders attached ).

Days later Binance.US reversed the entire {$3800.00} despite the bank confirming the transfers, creating a large negative USD balance.

To clear the negative balance and restore full account functionality, on XX/XX/year> at XXXX I was forced to sell XXXX XXXX at an average price of XXXX USD, receiving {$3800.00} USD and paying an additional selling fee of * * {$23.00} USD * *. 

Quantified losses caused exclusively by Binance.US : XXXX. Price difference ( slippage ) between purchase average price and forced-sale price : * * {$4.00} USD * * XXXX. Forced-sale fee : * * {$23.00} USD * * XXXX. Trading fees paid on purchases made with pre-credited funds : * * {$21.00} USD * * * * TOTAL LOSS : {$48.00} USD * * My account is now unrestricted only because I covered the negative balance with my own money. Binance.US support has repeatedly refused to refund any fees or compensate me. 

I request full reimbursement of the * * {$48.00} USD * * I lost as a direct result of Binance.US reversing legitimate ACH deposits after pre-crediting them. 

Attachments ( all screenshots included ) : XXXX Chargeback Successful deposit confirmations All XXXX XXXX purchase orders with fees Forced sale order from XX/XX/XXXX showing {$23.00} fee Support chat refusals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$19000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$4800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$4100.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$5900.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I attempted to complete a lease buyout for my vehicle through a dealer service called XXXX XXXX ( XXXX ), with the clear instruction that the vehicle was to be purchased under my business entity, not under my personal name. The dealer repeatedly assured me that the transaction would be structured under my company and that I would only appear as a guarantor. 

During the process, XXXX XXXX sent me two different and contradictory buyout packets : one listing my business as the buyer, and another listing me personally as the buyer. These packets contained inconsistent information, including different structures, different signatures, and different representations of who the legal borrower was supposed to be. No explanation was provided for these discrepancies. 

Despite these inconsistencies, a personal auto loan was opened in my name with Ally, even though the documents I was shown and the instructions I gave were for a business purchase. The loan appeared on my personal credit with terms and payment amounts that did not match what I was told verbally during the process. 

Additionally, the dealer gave me conflicting instructions regarding insurance requirements. First they told me that the business did not need to be listed on the insurance. Later they informed me that the business had to be listed as the driver of the vehicle. After that, they changed their position again and stated the business only needed to be the policyholder. These conflicting requirements caused long delays, and the loan was apparently opened before the dealer had collected or confirmed the correct insurance documents. 

Because of the contradictory packets, inconsistent information, and the loan being opened in my personal name instead of my business entity, I immediately requested that the dealer stop all processing. I sent written communications asking them to halt the transaction until the inconsistencies were resolved. The dealer has not provided a clear explanation for the discrepancies, nor have they confirmed why the loan was opened in my personal credit despite my instructions. 

This situation has affected my personal credit, limited my ability to obtain financing, and created confusion about the status of the loan. I am requesting assistance in reviewing how the loan was opened, why contradictory documents were used, and why the transaction proceeded with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, I rented a car from XXXX and used the car for XXXX day and took a XXXX XXXX that costed {$19.00}. 

The problem however is the host that rented the car charged me {$69.00}, but after sending me his invoice, I saw that {$50.00} of these fees were from late fees due to him not paying his bill on time. 

The host offloaded these late fees onto me. XXXX has not helped me despite being in contact with them over 5 times and filing a XXXX complaint. 

Barclays has also not helped me, even after sending evidence that the bill is not my responsibility. 

My credit card ( Barclays ) needs to issue me a {$50.00} refund and refuses to help, and intentionally makes the dispute process difficult because they won't open a dispute over the phone and only will receive letters by fax or physical mail. 

Attached is the XXXX invoice of the XXXX bill with the {$50.00} of late fees, with the late fees circled in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX, XXXX, and XXXX. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section XXXX, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within XXXX ( XXXX ) days as required by law. 


XXXX. I was never late on the payment and here i can see XX/XX/XXXXdays late payment being reported. 
XXXX XXXX Account Number : XXXXXX/XX/XXXX Please correct/update this account from my credit report. 

XXXX. I was never late on the payment and here i can seeXX/XX/XXXXdays late payment being reported. 
XXXX XXXX Account Number : XXXXXX/XX/XXXXPlease correct/update this account from my credit report. 

XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX Account Number : XXXXXX/XX/XXXX Please correct/update this account from my credit report. 

XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX Account Number : XXXXXX/XX/XXXXPlease correct/update this account from my credit report. 

XXXX. I was never late on the payment and here i can see XX/XX/XXXX days late payment being reported. 
XXXX Account Number : XXXXXX/XX/XXXX Please correct/update this account from my credit report. 

XXXX. I was never late on the payment and here i can see XX/XX/XXXX days late payment being reported. 
XX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXXPlease correct/update this account from my credit report. 

XXXX. I was never late on the payment and here i can see XX/XX/XXXX days late payment being reported. 
XXXX Account Number : XXXXXX/XX/XXXX Please correct/update this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
It is distressing to see an incorrect late payment on my account, particularly given my consistent adherence to payment deadlines. This mistake is causing undue XXXX, and I respectfully ask that you rectify this issue by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: WI

Complaint narrative:
Every XXXX of the closed accounts that charged off failed to inform me via written notice before reporting to the XXXX credit bureaus. XXXX/Equifax/ XXXX  XXXX 
This is in direct violation of 15 U.S.C. 1681 SUMMARY OF THE FAIR CREDIT REPORTING ACT ( FCRA ) The Fair Credit Reporting Act ( FCRA ) is a federal law that protects the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. KEY POINTS : XXXX. Accuracy of Information Consumers have the right to receive accurate and complete information. XXXX  and furnishers must correct or delete inaccurate, incomplete, or unverifiable data. XXXX. Consumer Right to Access Individuals are entitled to XXXX free credit report annually and additional reports under certain conditions. XXXX. Right to Dispute Consumers may dispute any item on their credit report. XXXX must investigate disputes, generally within 30 days. XXXX. Privacy and Permissible Purpose Credit information may only be accessed for legally permissible purposes. XXXX. Limits on Reporting Negative Information Most negative items drop off after XXXX years ; bankruptcies after XXXX. XXXX. Identity Theft Protections Consumers may place fraud alerts or credit freezes. XXXX. Adverse Action Notices. If credit is denied based on a report, consumers must be notified. XXXX. Liability for Violations Consumers may sue for damages when FCRA rights are violated. 
I look forward to your investigating each of these listed companies. 

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 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 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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXXLVNV Funding LLC is inaccurately and illegally reporting a collection account on my credit file.XXXXThey are reporting false account information, re-aging the debt, misrepresenting the loan type, and reporting data that debt buyers are prohibited from reporting under the FCRA, FDCPA, and Metro 2 guidelinesXXXXI am requesting a full investigation, deletion of the LVNV account from all bureaus, and corrective action against the furnisher.XXXXDetails of the ViolationsXXXX  False account type  "Factoring Company Account"XXXXLVNV is reporting the account as a Factoring Company Account and Open Account.XXXXLVNV is not a factoring company. They are a debt buyer/junk-debt purchaser.XXXXThis misclassification is a direct violation of:XXXXFCRA 623(a)(1)(A)  furnishing information known to be inaccurateXXXXFDCPA 807(2)(A)  false representation of the character of the debtXXXXMetro 2 Reporting StandardsXXXX Illegal Re-Aging of the AccountXXXXLVNV is reporting:XXXXDate Updated:XX/XX/XXXXXXXXLast Payment Made: XX/XX/XXXXRemoval Date: XX/XX/XXXXThese dates do not reflect the true Date of First Delinquency from the original creditor (XXXXA debt buyer cannot restart the reporting period.XXXXViolations:XXXXFCRA 623(a)(5)  must report accurate XXXXFCRA 605(c) XXXX-year rule based on original XXXX XXXXFDCPA 807(2)(A)  false representation of the legal status of the debtXXXX Reporting Past Due on a Collection (Prohibited)XXXXLVNV is reporting:XXXXPast Due Amount: XXXXCollections cannot list past dueXXXXOnly original creditors can.XXXXViolations:XXXXFCRA 623(a)(1)  inaccurate informationXXXXFDCPA 807(2)(A)  misleading debt statusXXXXMetro 2  collections must report balance only, not past due\XXXX Illegal Monthly Payment History on a CollectionXXXXLVNV is reporting XXXX XXXX XXXX XXXX (collection codes) forXXXXDebt buyers cannot report payment history, as there is no monthly payment obligation and no payment contract with LVNV.XXXXViolations:XXXXFCRA 623(a)(1)  furnishing incorrect payment historyXXXXFCRA 605(a)XXXXMetro 2  prohibits payment history on collectionsXXXX False Last Payment Made DateXXXXLVNV is reporting:XXXXLast Payment Made: XX/XX/XXXXI did not make any payment to LVNV or Resurgent.XXXXThis date appears fabricated and used to illegally re-age the account.XXXXViolations:XXXXFCRA 623(a)(1)  false payment reportingXXXXFDCPA 807(2)(A)  false representation of debt statusXXXXFDCPA 808(1)  false representation of amount or timing'

Company response to consumer: Closed with explanation