vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
This complaint serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I made a qualifying purchase at XXXX totaling {$330.00} after activating a Capital One Shopping Offer through my Capital One credit card account. The offer ( Reference ID XXXX ) stated that a cashback payout would be issued within approximately 45 days of the transaction. 

I followed all offer requirements : - Activated the XXXX  offer through the Capital One portal - Completed the purchase in the same session - Used my Capital One credit card - Kept my account open and in good standing As of today, well over 60 days past the transaction date, I have not received the cashback or any response regarding its status. 

I initially attempted to contact Capital One via email to inquire about the payout. However, all support emails bounced. I also attempted to escalate by faxing a formal letter to Capital Ones Executive Office multiple times now, but to no avail. I have called the customer support via phone as well, and was told they would look into it and offer an update, and the only resolution I have been given is to continue waiting even though we are well past the advertised offer terms and timelines. 

Despite providing all necessary documentation, including screenshots of the activated offer and my purchase receipt, I have not received any explanation or resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I contacted Midland funding on XXXX requesting debt validation with itemized statement, original contract with my wet signature as well as verification of the debt via XXXX and if anyone had claimed insurance on the debt. I was told by Midland, the new debt owner, that they don't have the information and that I would need to contact XXXX XXXX  However, XXXX XXXX previously advised me that they no longer have the info as it was sent to Midland. No one can give the information that I'm requesting so how am I sure that the debt information is correct or that this particular debt belongs to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MOHELA
State: NY

Complaint narrative:
I am disputing the accuracy of a reported past-due payment on my student loan account with MOHELA. I believe this reporting violates my rights under both FERPA ( Family Educational Rights and Privacy Act ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) for the following reasons : Lack of Access to Account Since XXXX : I have not been able to access my MOHELA account since XXXX when I was paying it off. I was not properly notified of changes to login credentials, system transitions, or a new website portal, leaving me unable to manage or view my account or loan status. I was able to create an account XX/XX/XXXX. 
Still Enrolled in School : I am currently enrolled in school and should be under an in-school deferment status, making me ineligible for required payments. This past-due reporting is inaccurate and damaging to my credit. 
Violation of Notification Requirements : I never received any notificationsvia mail, email, or other formal channelsof late payments or delinquency. Proper notice is a required condition before derogatory reporting under the FCRA, and failing to provide notice constitutes a violation.

Missing Documentation and Legal Authority : I have never received or signed a Master Promissory Note ( MPN ) for this specific loan.

No documentation or chain of custody for the debt has been provided.

The loan servicer has not presented legal proof of authority to service or report on this debt, especially amid federal loan servicing restructures.

Violation of FERPA : If my student loan information was transferred or shared without my consent and without proper educational authorization or notification, this could also represent a violation of my educational privacy rights under FERPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have provided everything I need for a mortgage modification and my package was deemed complete months ago. I then received a request for something with the mortgaged property address for my contributors. I am unable to show this for the reasons set forth below and they simply refuse to accept my letter of explanation. 
First, XXXX of my contributors is a paralyzed veteran and has not received any mail for years. I take him as a dependent. Second, the other contributor, is my child who is in college and has part time income. He also receives almost no mail ( I can only think of XXXX thing ). Third, I explained to the servicer, Mr. Cooper, that mail is frequently stolen at our address and all of us receive mail at another address for safety. I put that in my letter of explanation as well. While I was writing to them, and explaining all of this, once again, they put the house up for sheriff 's sale next month. I had previously complained to the CFPB and they took it down after dual tracking the sale with a very engaged and thoughtful loss mitigation process. Mr. Cooper is engaged in a practice that is harming many homeowners in the nation- they list a property for sheriff 's sale, right at the end of the loss mitigation process, before you get an answer, thus not allowing the borrower to engage in any other effort ( as you can not apply for a deed in lieu nor for a short sale while the loss mitigation process is pending ). Once the loss mitigation process is complete, they will say ( and did say last time, until I complained to the CFPB ) that it is " too late '' for any other resolution. Please know the judgment is years old, and there is no rush. The house is beautifully maintained and I provide updated information regularly. I just installed a new furnace, sump pump, a new kitchen, upgraded alarm system, roofing repairs, tree trimming, and extensive landscaping work. How can anyone engage in any type of resolution if they purposely and maliciously calendar sheriffs ' sales before even XXXX resolution process is complete. I have plenty of documents but I want this to be public so I am not uploading them to be private.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNVFUNDG this company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. This agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. I made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello! I have a cuple of thngs I want remved from my file. Take a look at the report I attached to identify what needs to come out. I certainly didn't purchase any of those items. I'd preciate it if u could get thse remved so I can repair my credit report. I've already reported the identity theft to the FTC and included their Identity Theft Affidavit as well. Could you please take care of that as soon as possible?

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 2025-05-19 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Car totaled. Insurance paid car off. Still showing as a derogatory mark on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filling a complaint because my creditors is reporting late payments on report account American Express account XXXX reporting charge off on all the bureaux inaccurate XXXX XXXX XXXX account XXXX reporting charge off inaccurate on all the bureaux and Amex account XXXX reporting charge off inaccurate on all the bureaux they are inaccurate and not properly verified I have dispute this directly with the credits bureaux and the furniture but the inaccuracy remain without proper validation or documentation under15usc 168s 8 a furniture must be report accurate information under 15usc 1881I ht credit bureaux must perform a reasonable investigation within 30days neither of them have provide sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX all providing inaccurate information on my credit profile I requested proof This is a violation of 15 U.S Code 168i ( 5 ) and FCRA Removal of inaccurate/ invalidated credit information. Please do not share any information here, like my SSN Account numbers or other unique and identifying info. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CITIBANK, N.A.
State: PR

Complaint narrative:
XXXX not satisfied with Citi allegations for not pursuing the unjustified charges made by merchant for airline ticket not bought, only exchanged, complaint # XXXX. Citi alleges in letter sent to Consumer Finance answering my complaint that it was past their time frame & that Citi is including attachments. The time frame was never specified & whenever Citi sent formal letters I always answered promptly within the days specified in each letter & I supplied all matter pertaining to this issue to Citi via emails. Copy of these I have to show what I m alleging in this dispute. The attachments Are not in letter sent to me in response to my complaint. Since the amount emails is voluminous & the also the screenshots attached to the emails, & since I dont have the skills to operate the scanning & sending all by email ( no printer no scanning ) Im asking address to send all these by certified postal service. Also to whose attention. XXXX play hard to get. Today XX/XX/25 again for upteenth time I tried their web. Impossible to reach. I told Citi that after finally seeing evidence XXXX sent them & making sense of info sent I recognize ONE charge since the outstanding charge of {$3400.00} pertains to a ticket exchanged for another ( {$4900.00} ). Only one fare was exchanged upgraded from coach flexible to business. The other fare for my return remained the same since the ticket was issued. Coach. This whole mess was made bc of XXXX  faulty web & the final changes corresponding to my boarding passes is for {$4900.00}. This exchange was made by XXXX service rep in XXXX not by me sine I was instructed by XXXX not to do anything through their web.Citi has taken their time to try to settle this. XXXX does not want to do it. I demand to go through arbitration if necessary or any other legal avenue available. Pls supply me with the address requested to send all materials via certified mail.it will be more easier to view & understand. You can publish my name. I never hide nor elude my responsibility, but will not pay for tickets exchanged not bought, & pay the difference in upgrade.

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 monetary relief
Consumer complaint received 2025-05-18 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:
Report # XXXX Subject : Round 2 Dispute - Identity Theft - Demand for Removal of Fraudulent Accounts and Inquiries Dear Experian Consumer Fraud Department , This is a formal follow-up dispute regarding fraudulent accounts and inquiries that remain on my credit report despite my initial dispute. Under my rights pursuant to Title 15 USC 1681 and sections 609 ( a ), 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of these unauthorized accounts and inquiries that are a result of identity theft. 
I first became aware of fraudulent activity on my credit report on XX/XX/year>, when I attempted to apply for a home loan. I have never applied for, authorized, or conducted any transactions related to the following accounts and inquiries :

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 2025-05-18 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: OH

Complaint narrative:
Hello! I have a cuple of thngs I want remved from my file. Take a look at the report I attached to identify what needs to come out. I certainly didn't purchase any of those items. I'd preciate it if u could get thse remved so I can repair my credit report. I've already reported the identity theft to the FTC and included their Identity Theft Affidavit as well. Could you please take care of that as soon as possible?

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 2025-05-18 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: OH

Complaint narrative:
Hello! I have a cuple of thngs I want remved from my file. Take a look at the report I attached to identify what needs to come out. I certainly didn't purchase any of those items. I'd preciate it if u could get thse remved so I can repair my credit report. I've already reported the identity theft to the FTC and included their Identity Theft Affidavit as well. Could you please take care of that as soon as possible?

Company response to consumer: Closed with explanation