vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Reference ID : XXXX - Company : Resurgent Capital Services. Balance : {$11000.00}. This statement is made on XX/XX/XXXX, following multiple letters sent to Resurgent Capital Services in XXXX via regular mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX of which have been ignored. Additionally, a Certified letter was sent on XX/XX/XXXX, received by Resurgent yet ignored and rejected to provide me with a return receipt, and once again, Resurgent Capital Services has failed to respond via XXXX Mail the return receipt and acknowledgment required by law when using certified mail. 
I am formally disputing the charges listed under my name, which I neither made nor recognize. As explained to a XXXX agent on XX/XX/XXXX, the charges were claimed to have originated in XXXX, contradicting the XXXX date mentioned in their recent correspondence. This inconsistency, as I have never owned the XXXX XXXX credit card, and the nature of the charges represents a clear error and an unwarranted accusation against me, especially when these charges were never done by me, as my information was stolen in previous years, and these so-called credit card and charges have never appeared in my credit report. 
Furthermore, my residence was burglarized in XXXX, during which all my possessionsincluding baby furniture, important documents, jewelry, and electronicswere stolen. Given that this incident occurred over 30 years ago, the statute of limitations under U.S. and Texas law no longer obligates me to retain documents from that robbery and time. 
I respectfully request that you immediately cease all accusations and harassment regarding this matter, as I am not responsible for the charges in question. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments I discovered while reviewing my credit record. Despite sending letters over XXXX  days ago requesting validation of these entries, I have not received any response, and they have failed to provide me with satisfactory validation. This ongoing situation has negatively affected my credit standing and financial opportunities, which is why I kindly request your assistance in resolving this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am writing to formally express my concern regarding the handling of my closed credit card account. 

My account was closed in XX/XX/XXXX, and since then I have been actively making payments to reduce the balance. According to your customer service representative and their supervisor, I made a {$200.00} payment on XX/XX/XXXX, while the minimum payment due was {$270.00}. I also made similar partial payments in XXXX and XXXX, each below the minimum due. 

Despite this, I was charged interest each month, which I understand. However, I noticed that no late fees were applied in XXXX or XXXX only in XXXX was a late fee added. When I called for clarification, I was told that Capital One can choose when to apply a late fee, which I find both inconsistent and questionable. This practice has caused my balance to remain nearly the same, despite my ongoing payments, due to accumulating interest and now a late fee. 

I want to highlight a few points of concern : Inconsistent application of fees : Why were no late fees applied previously, but suddenly added in XXXX? 
Unclear communication : The rationale that fees are applied at Capital Ones discretion is vague and potentially unfair. 
Impact on repayment : As the account is closed and no new credit is being issued, I am working in good faith to pay down the balance but it feels like I'm being penalized in a way that makes progress difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company Southwest Credit Systems and XXXX XXXX. 

as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: OK

Complaint narrative:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
At this time, after months trying to clear my previous payment history, a professional woman originally from XXXX, now a successful business owner in the state of New Jersey, I hereby file a claim against the attached creditor as a federally chartered financial institution, once operating as part of a publicly traded company approved through the XXXX XXXX XXXX XXXX. This company is now privately held but still must comply with the rules and regulations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
XXXX is not publicly traded anymore. The company was acquired by the XXXX family and XXXX XXXX de XXXX in a {$6.00} XXXX deal, making it a privately held company. The shares were delisted on XX/XX/year>, according to XXXXXXXX XXXX XXXX XXXX  stock previously traded on the XXXX XXXX XXXXXXXX XXXX under the symbol XXXX. 
Accordingly, I have requested on several occasions a full account of my payment history. That request was never complied to. 
I was always on time with my monthly payments. 
The late payments applied to my Experian, XXXX  and XXXX XXXX XXXX XXXX were never confirmed, and therefore must be eliminated. 
The only reason that I can ascertain why I have never been properly treated by XXXX is due to discrimination as a minority woman in the United States of America. XXXX has been so involved in its private sale that it no longer has a compliance XXXX that is federally required under the XXXX XXXX XXXX guidelines, even though as of a few days ago the company is no longer listed on the XXXX XXXX XXXXXXXX XXXX. 

I hereby request a full reinvestigation into my discrimination claim by the Consumer Financial Protection Bureau and each respective credit reporting agency. XXXX must face sanctions and removal as a subscriber to each credit bureau respectively until all federally required compliance procedures are guaranteed to the public and a compliance XXXX is placed in a professional capacity. 

In the meantime, my tradelines with XXXX must be deleted across the board with Experian, XXXX, and XXXX XXXX respectively. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
At this time, after months trying to clear my previous payment history, a professional woman originally from XXXX, now a successful business owner in the state of New Jersey, I hereby file a claim against the attached creditor as a federally chartered financial institution, once operating as part of a publicly traded company approved through the XXXX and XXXX XXXX. This company is now privately held but still must comply with the rules and regulations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
XXXX is not publicly traded anymore. The company was acquired by the XXXX family and XXXX XXXX XXXX XXXX in a {$6.00} XXXX deal, making it a privately held company. The shares were delisted on XX/XX/year>, according to XXXXXXXX XXXX XXXX XXXX  stock previously traded on the XXXX XXXX XXXXXXXX XXXX under the symbol XXXX. 
Accordingly, I have requested on several occasions a full account of my payment history. That request was never complied to. 
I was always on time with my monthly payments. 
The late payments applied to my XXXX, Equifax and XXXX XXXX XXXX XXXX were never confirmed, and therefore must be eliminated. 
The only reason that I can ascertain why I have never been properly treated by XXXX is due to discrimination as a minority woman in the United States of America. XXXX has been so involved in its private sale that it no longer has a compliance officer that is federally required under the XXXX XXXX XXXX guidelines, even though as of a few days ago the company is no longer listed on the XXXX XXXX XXXX XXXXXXXX. 

I hereby request a full reinvestigation into my discrimination claim by the Consumer Financial Protection Bureau and each respective credit reporting agency. XXXX must face sanctions and removal as a subscriber to each credit bureau respectively until all federally required compliance procedures are guaranteed to the public and a compliance officer is placed in a professional capacity. 

In the meantime, my tradelines with XXXX must be deleted across the board with XXXX, Equifax, and XXXX XXXX respectively. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
On Monday, XX/XX/year>, Cash App closed my account. Since then, I've appealed and contacted support every hour of each day this week, including making about XXXX calls. The support team has been unhelpful and hasn't taken any action to release my funds. They provide no updates and repeatedly close the chat, stating there's nothing they can do. I'm in desperate need of accessing my money and only want to withdraw it. I have no access to the previously linked accounts and am trying to link a new one to withdraw my funds, but they won't allow it. There should be a solution to help me access my money, but instead, they keep delaying and avoiding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IN

Complaint narrative:
Please block and delete the unauthorized accounts currently appearing on my credit report. I did not authorize or initiate them, and I am unaware of how they were added. Pursuant to USC 1681g, I formally request their removal within the next 15 days. Enclosed youll find the supporting documents for your review. Its also important to note that each credit bureau is reporting different and inaccurate information for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have fraudulent charges from XXXX. They are informing me. I should be opening a case with XXXX. XXXX is unwilling to open another claim. I am out {$490.00}. I would really appreciate someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I recently restructured my debit and kept my Amex card. However, as soon as I restructured my debit I started receiving emails with every card purchase that they would decline my purchases because I was close to my limit. However, I usually have available credit of XXXX to XXXX available so this isn't true. Also, I had my first payment returned because I forgot to put fund in my account. I made the payment again which was successful but they're keeping the hold on my account. I even called my bank with an AMEX customer rep and we verified the transaction on the phone and she wouldn't release the hold. They are attacking me for my financial situation and it started as soon as I started restructuring my debt. They are targeting me and I will get a lawyer involved if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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