vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Inaccurate Credit Card Entry Request for Removal Re : Account XXXX XXXX XXXX XXXX XXXX XXXX  reported by XXXX  XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a credit card account appearing on my credit report. The entry, reported by XXXX XXXX XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX, is either : Incorrectly reported Past the reporting limit for negative information ( over XXXX XXXX XXXX ) I respectfully request that you investigate this entry and remove it if it can not be verified or if it is outdated and should no longer be reported under the Fair Credit Reporting Act ( FCRA ). 
Reasons for Dispute : The account contains outdated or inaccurate information. 
The account is negatively reported and more than XXXX XXXX XXXX. 
Attached are documents supporting my dispute, including : A copy of my photo ID and proof of address Please complete your investigation within XXXX  days and provide written confirmation of the outcome. Also, please send me a copy of my updated credit report reflecting any changes made. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Inaccurate Credit Card Entry Request for Removal Re : Account XXXX XXXX XXXX XXXX XXXX XXXX reported by XXXX  XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a credit card account appearing on my credit report. The entry, reported by XXXX XXXX XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX is either : Incorrectly reported Past the reporting limit for negative information ( over XXXX XXXX XXXX ) I respectfully request that you investigate this entry and remove it if it can not be verified or if it is outdated and should no longer be reported under the Fair Credit Reporting Act ( FCRA ). 
Reasons for Dispute : The account contains outdated or inaccurate information. 
The account is negatively reported and more than XXXX XXXX XXXX. 
Attached are documents supporting my dispute, including : A copy of my photo ID and proof of address Please complete your investigation within XXXX  days and provide written confirmation of the outcome. Also, please send me a copy of my updated credit report reflecting any changes made. 
Thank you for your time and assistance. 
Sincerely, 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Information inaccurate for account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dates are not matching XXXX date say XXXX the other day day XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SANTANDER HOLDINGS USA, INC.
State: HI

Complaint narrative:
I am locked out of my Santander consumer account and I can not get helped without being logged into my account. Calling their number doesn't help because I can't speak with a representative without being logged into my account. I am trying to resolve a debt collection and I can not get through to the company what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I am disputing an auto loan account being reported by XXXX XXXX. 

On or about XX/XX/year>, I sent a debt validation request to XXXX XXXX via mail. On XX/XX/year>, they responded in writing stating they are a firstparty creditor and therefore not obligated to validate the debt under the FDCPA. Despite refusing to validate, they continue to report a derogatory open auto loan account with a current balance of {$21000.00}, which exceeds the highest balance ever reported.

This continued reporting without providing proper documentation of the debt is a violation of the Fair Credit Reporting Act ( FCRA ). It is negatively impacting my credit profile and preventing me from obtaining fair housing and credit opportunities. 

I am requesting that XXXX XXXX provide full documentation validating this account or immediately remove the reporting.

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 2025-07-27 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 disputing an auto loan account being reported by XXXX XXXX. 

On or about XX/XX/year>, I sent a debt validation request to XXXX XXXX via mail. On XX/XX/year>, they responded in writing stating they are a firstparty creditor and therefore not obligated to validate the debt under the FDCPA. Despite refusing to validate, they continue to report a derogatory open auto loan account with a current balance of {$21000.00}, which exceeds the highest balance ever reported.

This continued reporting without providing proper documentation of the debt is a violation of the Fair Credit Reporting Act ( FCRA ). It is negatively impacting my credit profile and preventing me from obtaining fair housing and credit opportunities. 

I am requesting that XXXX XXXX provide full documentation validating this account or immediately remove the reporting.

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 2025-07-27 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: GA

Complaint narrative:
I am disputing an auto loan account being reported by XXXX XXXX. 

On or about XX/XX/year>, I sent a debt validation request to XXXX XXXX via mail. On XX/XX/year>, they responded in writing stating they are a firstparty creditor and therefore not obligated to validate the debt under the FDCPA. Despite refusing to validate, they continue to report a derogatory open auto loan account with a current balance of {$21000.00}, which exceeds the highest balance ever reported.

This continued reporting without providing proper documentation of the debt is a violation of the Fair Credit Reporting Act ( FCRA ). It is negatively impacting my credit profile and preventing me from obtaining fair housing and credit opportunities.

I am requesting that XXXX XXXX provide full documentation validating this account or immediately remove the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Cease and Desist All Communication Regarding Alleged Debt Account XXXX XXXX To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with the above-referenced account number. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all further contact with me. 

You are hereby notified to immediately cease and desist all communication with me, whether by phone, mail, or any other means, regarding this matter. Failure to comply with this request will constitute a violation of the FDCPA and may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action. 

Please be advised that this letter does not constitute an acknowledgment of the validity of the alleged debt. I am requesting verification of this debt under 15 U.S.C. 1692g ( b ) if you intend to pursue collection efforts through legal channels. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Capital One for failing to resolve a dispute on my XXXX XXXX card, despite its {$390.00} annual fee promising premium protection. Their denial feels like a scam, ignoring my evidence. I request CFPB help to secure a refund under the Fair Credit Billing Act for an unauthorized charge and non-delivered service. On XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  advertised an underarm treatment at XXXX XXXX  ( ~ {$19.00} ) but charged {$1300.00}, a XXXX overcharge I didnt authorize. The treatment failed, worsening my armpit sweating and causing a foul odor, impacting my daily life. I emailed XXXX XXXX on XX/XX/year> for a refund ; no response. I disputed the {$1300.00} on XX/XX/year> ; Capital One denied it on XX/XX/year>, reopened it on XX/XX/year>, and denied it again on XX/XX/year> without clear reasoning. I request a {$1300.00} chargeback and temporary credit. Attachments : XXXX XXXX price photo ( XXXX XXXX  ), XX/XX/year> email to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am writing to formally dispute the handling of my former credit card account and to file a complaint regarding what I believe to be a failure to comply with protections afforded to me under the Servicemembers Civil Relief Act ( SCRA ). 

In XXXX, I joined XXXX XXXX service in the XXXX XXXX XXXX  and have been stationed overseas in XXXX since then. Prior to my XXXX, I held a Wells Fargo credit card account which had an outstanding balance of approximately {$400.00}. I submitted the proper documentation under the XXXX, including my XXXX XXXX orders and an official XXXX request form. Despite this, my account was closed, reported as delinquent, and eventually charged off. 

Since the account closure, Wells Fargo has continued to report missed payments monthly, even though the account is no longer open and no payments can be made. This has had a devastating impact on my credit profile by : XXXX. Closing my oldest line of credit, which drastically reduced my credit history length. 
XXXX. Reporting continuous late payments after account closure, which negatively affects my payment history and overall creditworthiness. 
XXXX. Failing to honor my XXXX XXXX status under the XXXX, which should have prevented adverse credit actions or at least facilitated communication and resolution. 

This situation is unacceptable and has caused significant and unnecessary financial damage. I have made every effort to resolve this through normal customer service channels without success. XXXX XXXX inaction and continued negative reporting appear to violate my rights under federal law, specifically the XXXX XXXX XXXX XXXX, which is designed to prevent exactly this type of harm to service members.

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 2025-07-27 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: GA

Complaint narrative:
I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 15 U.S.C 1681C-2, which requires immediate removal of fraudulent information resulting from a data breach.

I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 15 U.S. Code 1681e ( b ), as this account is in active legal procedures.

I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 1681i ( a ) ( 5 ) ( B ), illegal re-insertions, failure to notify, and disceptive reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 15 U.S.C 1681C-2, which requires immediate removal of fraudulent information resulting from a data breach.

I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 15 U.S. Code 1681e ( b ), as this account is in active legal procedures.

I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 1681i ( a ) ( 5 ) ( B ), illegal re-insertions, failure to notify, and disceptive reporting practices.

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 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Despite multiple requests made in good faith, Nelnet has failed to furnish any of the above-referenced documents. This constitutes a failure to provide proper debt validation and a violation of my rights under applicable federal consumer protection laws, including but not limited to : Original Promissory Note ( Master Promissory Note ) or any contract bearing my signature.

Chain of Title/Transfer of Assignment, including any Bill of Sale , purchase agreements, or transfer documents proving the legal right to collect on this debt. Flow Agreemen.

Proper documentation establishing ownership rights to this debt. A detailed account history, including the breakdown of principal, interest, payments, and any fees assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year> My chime account was hacked by someone with a chime account of XXXX XXXXXXXX XXXX I do not know this person but they were able to transfer all of this money from my account into theirs. I submitted a dispute to chime including the police report I filed for bank fraud and they are still denying the dispute. The person made a total of XXXX transactions totaling {$960.00} from the account before I was able to catch it and stop it. I have spoke to chime 4 times they reopen the dispute saying they will review told me to send police report number and I did and it was denied again. I asked each person what they need and can not get a straight answer out of any of them. Since chines requires users to use their social security numbers to sign up I dont see why they can not get the person who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following accounts are fraudulent, erroneous, and MUST BE BLOCKED immediately from my credit, ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX XXXX, XXXX. REPORTING FALSE INFORMATION IS NOT ONLY UNLAWFUL, BUT IT IS ALSO CAUSING MATERIAL DAMAGE TO MY CREDIT AND FINANCIAL REPUTATION. I DEMAND THE IMMEDIATE AND PERMANENT REMOVAL OF THESE ACCOUNTS FROM ALL CREDIT REPORTING AGENCIES. IN REFERENCE TO 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the fair credit reporting act any entity furnishing data to credit reporting agencies is prohibited from reporting Information they know or have reason to believe is inaccurate. Ive attached my FTC report as well.

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 2025-07-27 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: NY

Complaint narrative:
The following accounts are fraudulent, erroneous, and MUST BE BLOCKED immediately from my credit, ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX XXXX, XXXX. REPORTING FALSE INFORMATION IS NOT ONLY UNLAWFUL, BUT IT IS ALSO CAUSING MATERIAL DAMAGE TO MY CREDIT AND FINANCIAL REPUTATION. I DEMAND THE IMMEDIATE AND PERMANENT REMOVAL OF THESE ACCOUNTS FROM ALL CREDIT REPORTING AGENCIES. IN REFERENCE TO 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the fair credit reporting act any entity furnishing data to credit reporting agencies is prohibited from reporting Information they know or have reason to believe is inaccurate. Ive attached my FTC report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I called this company about errors on my credit card. Do you know what they did LIED YET AGAIN about payment and PREVENTED me from payment because I called them out on the fraud they done. This company is stealing money or embezzlemening money from customers then to not allow customers to pay their bill to cover up there mess is crazy they have committed multiple FRCA laws. I want my credit card reported accurately as I have NEVER been behind on ANY payments. They need to fix this or I will be filing a class action lawsuit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow up to the previous report to EQUIXFAX and TRANSUNION. I've attached the missing documentation. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on a XXXX  XXXX XXXX account ( XXXX ) that was in fact paid on time. XXXX  shows on time payments and Transunion and Equifax do not. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date ( XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a few discrepancies of inaccurate information of a XXXXXXXX XXXX XXXX XXXX XXXXXXXX account reporting on my TransUnion, Equifax and Experian credit report without ever recieving a XXXX Form, In 28 USC 108-Income from Discharge of Indebtedness IRS considers a charge-off account as income and I also know that income shall not be reporting on my consumers report with or without a balance.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ardmore Finance Corporation
State: OK

Complaint narrative:
XXXX XXXX is on my credit report but I have never had a loan from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX 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