vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
VIOLATION OF 15 USC CODE 1692g or 15 USC CODE 1666b. I have not supplied proof under the doctrine of estopper by silence. PLEASE REMOVE THE ERRONEOUS ACCOUNT ACCORDING TO THE LAWS REFERENCED ABOVE OR FACE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
I contacted all collections account companies and informed them these accounts are not accurate and must be deleted immediately as a federal protected consumer under FCRA, ECOA, TILA, HJR-192 no repsonse was giving back to me after the 21 day mark and I need these accounts listed to handle according to law thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ XXXX ] [ XX/XX/XXXX ] Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Charge-Off Accounts Dear Sir or Madam, I am writing to formally dispute the reporting of certain accounts on my credit report under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. My name is XXXX XXXX XXXX, born on XX/XX/XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My social security number is XXXX ( include your SSN only if necessary and do not disclose it in public correspondence ). 

The credit reporting agencies Experian, TransUnion, and Equifax have reported charge-off accounts which I believe are inaccurate and do not reflect my current credit standing. Under the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and specifically according to 15 USC 1666b, charge-off accounts are to be considered certificates of indebtedness and should be removed if they can not be verified as accurate. 

I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you conduct a thorough investigation into these accounts and provide me with the results according to the stipulations set forth by the FCRA. Furthermore, I request that you delete these inaccurate accounts from my credit report immediately upon determining they can not be validated. 


I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and inform me of the outcome of your investigation at your earliest convenience. You XXXX contact me at my phone number or email address listed above for any further information required. 

Thank you for your cooperation. 

Sincerely, 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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I bought litecoin and tried to transfer it and it said there seems to be a problem right now. So I then sold my litecoin and they are saying my funds won't be available to me for 5days. They can't tell me why just that the system needs to review it. I bought it no problem and now I can't sell it. This is ridiculous because the transactions are I instantaneous. So they are denying me access to my funds which is illegal. I need my funds immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Request for Removal of Personal Information Under 15 U.S.C. 16811681x ( FCRA ) To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., to formally request the removal of specific personal information from my credit report that is inaccurate, outdated, or otherwise unverifiable.

Under 15 U.S.C. 1681g ( a ), I have the right to request all the information in my credit file, including the sources of that information. I have reviewed my credit file and identified the following personal information that I believe should be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is either outdated, not associated with me, or unverifiable. Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to determine the accuracy of any disputed information and delete or correct any information that is found to be inaccurate or can not be verified.

Additionally, under 15 U.S.C. 1681c ( a ), certain types of information may not be reported beyond a specified period. Although this provision typically applies to adverse information, it reinforces the importance of maintaining accurate and current personal data in a consumers file.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my report. Maintaining obsolete or incorrect personal data directly contradicts this statutory obligation.

If the disputed information can not be verified, it must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). You are also required to notify me of the results of your reinvestigation within 30 days, as outlined in 15 U.S.C. 1681i ( a ) ( 6 ).

I am requesting the removal of the information listed above from my credit report across all reporting formats. Please send me written confirmation once the removal has been completed, or documentation supporting your determination if the information is not removed. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Request for Removal of Personal Information Under 15 U.S.C. 16811681x ( FCRA ) To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., to formally request the removal of specific personal information from my credit report that is inaccurate, outdated, or otherwise unverifiable.

Under 15 U.S.C. 1681g ( a ), I have the right to request all the information in my credit file, including the sources of that information. I have reviewed my credit file and identified the following personal information that I believe should be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is either outdated, not associated with me, or unverifiable. Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to determine the accuracy of any disputed information and delete or correct any information that is found to be inaccurate or can not be verified.

Additionally, under 15 U.S.C. 1681c ( a ), certain types of information may not be reported beyond a specified period. Although this provision typically applies to adverse information, it reinforces the importance of maintaining accurate and current personal data in a consumers file.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my report. Maintaining obsolete or incorrect personal data directly contradicts this statutory obligation.

If the disputed information can not be verified, it must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). You are also required to notify me of the results of your reinvestigation within 30 days, as outlined in 15 U.S.C. 1681i ( a ) ( 6 ).

I am requesting the removal of the information listed above from my credit report across all reporting formats. Please send me written confirmation once the removal has been completed, or documentation supporting your determination if the information is not removed. 


Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCREDENCE RESOURCE MANAXXXX XXXX XXXXRE: CEASE AND DESIST  Account #[Insert Account Number or Reference if known]\n\nTo Whom It May Concern,\n\nI am writing to notify you under the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code  1692c(c), that I am formally requesting you cease and desist all communication with me regarding the above-referenced alleged debt.\n\nI dispute the validity and/or amount of the debt, and I have the right under federal law to request that you stop all contact with me. If you believe this debt is valid, you may only contact me to confirm that you will no longer be contacting me, or to notify me of specific legal action you intend to take.\n\nBe advised that continued attempts to communicate with mevia telephone, mail, text, email, or otherwiseoutside of the conditions outlined in the FDCPA, may constitute harassment and a violation of my consumer rights. I will document all further communications and report any violations to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney General's Office.\n\nYou are now legally obligated to stop all contact effective immediately.\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX charged my Capital One debit card {$3300.00}, though I only authorized a payment of {$2300.00}. I disputed the overcharge of {$1000.00} with Capital One. 

Capital One issued a provisional credit for {$1000.00} and initiated a chargeback to XXXX for the full {$3300.00} on XX/XX/year>. XXXX has confirmed that they refunded the full {$3300.00} to Capital One on that same day. 

Despite receiving the full refund, Capital One has only credited me for the {$1000.00}. The remaining {$2300.00} has not been returned to my account. A Capital One representative informed me that the agent who submitted my dispute should have disputed the full amount, not just a portion. However, that was an internal handling issuenot a reason to delay returning funds that Capital One has already recovered. 

Regulation E ( 12 CFR 1005.11 ) requires banks to promptly credit consumers once a merchant refund has been received. Capital Ones choice to pursue a full chargeback and then hold the refunded funds until XX/XX/XXXX, XXXXover 60 days after receiving themis not compliant with Regulation E and is unlawfully withholding my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-10 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-10 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted, and accounts are fraud and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Account SANTANDER/CHRYSLER CAP XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation