vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-05 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing multiple unauthorized inquiries currently listed on my credit report. These inquiries were made without my knowledge or consent and have negatively impacted both my credit score and overall credit standing. 

Despite previously contacting your agency and receiving assurances that these inquiries would be removed, they remain on my report. This continued inaction is unacceptable. The presence of these potentially fraudulent entries raises serious concerns regarding possible identity theft and has caused significant emotional and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC has attempted to collect a {$1000.00} debt allegedly owed to XXXX XXXX XXXX XXXXXXXX. However, they * * never sent me the required written 'validation notice ' within 5 days of their initial communication, as mandated by the Fair Debt Collection Practices Act ( FDCPA 809 ).

This notice must include : - The amount of the debt, - The name of the creditor, - A statement that I have 30 days to dispute the debt, - Instructions to request verification of the debt, > - And a warning that failure to dispute will result in the debt being assumed valid. 

Because LVNV Funding LLC failed to provide this notice, I have been deprived of my right to dispute or request verification of this debt. I demand that LVNV : 1. Immediately cease all collection activities, 2. Provide full validation/verification of the debt, 3. Remove any inaccurate credit reporting related to this debt, 4. Comply with all FDCPA requirements moving forward. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i contacted capitol one auto after receiving a message from the co-borrower stating account showing delinquent. 

I made adequate payments within time frame to keep payments history on time. i contacted Capital one auto to get clarification what went wrong. I noticed between XX/XX/XXXX and XX/XX/XXXX all payments were duplicated and i only authorized XXXX both payment for XXXX, and XXXX was showing duplicate. the payment XXXX shows insufficient funds return and that not true. on XX/XX/XXXX i reached out to XXXX  XXXX XXXX. letting them no i only authorized XXXX payment for XX/XX/XXXX. 

on XX/XX/XXXX i contacted Capital one asking for explanation on why my account shows duplicate payments and then a reversal by COAF. i was told by the first representative that is was a system error. 

i explained to her that this system error makes my account look like its 45 days pass due and its not. After she couldnt give me a better explanation of the incident, she transferred me to a XXXX in escalation. 
XXXX states these error were due to a system update. I explained to him with this system update it appeared they were charging me twice. i contacted XXXX  and between the appearance of a duplicate payment and the coaf reversal.now no payment of XXXX was made. i did do a immediate payment of XXXX earlier XX/XX/XXXX and a {$760.00}. for XXXX. But my account still shouldnt show 45 days pass due. 

these error payments are capitol one auto error and should be fixed immediately. Preferred to XXXX noting the account and fixing the error caused on his end. he tells me he dont see a XXXX $ payment which is clearly posted XXXX. 

I tried explaining to XXXX due to there system error, it caused issues on both my capital one auto end and XXXX XXXX XXXX. 

i also asked him was there some kind of data breached which caused these duplicate transactions that wasnt authorized by me. he stated the system update removes payment then reallocates them. 

i explained to him and this has caused error in both my accounts. 

This isnt the first time, i have had negative reports due to Capital one auto. ive already tried clearing the negative reputed placed on my profile in XX/XX/XXXX. they report were placed after i called capital one informing them of a identity thief and was reassured not to worry my account was on hold. But to my surprise they marked me late during this unfortunate incident. 

i have attached photos showing my account had adequate funds for withdrawal on XX/XX/XXXX to cover XXXX $ and reverse on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to formally dispute and escalate a serious issue regarding the improper overdraft and possible closure of my Chase Secure Banking account, which I believe constitutes a breach of contract and potentially unlawful account handling under federal banking regulations.

Background : I maintained a Chase Secure Banking account under the written agreement that overdraft transactions would be declined and no overdrafts or overdraft fees would be allowed or charged.

Despite these terms, my account was allowed to be overdrawn.

I was later informed by a Chase team member that this resulted from a Zelle transaction, which was allowed to process despite insufficient fundsdirectly violating Chases stated policy and the Secure Banking product agreement.

Following this, Chase closed my account and attempted to attribute responsibility to me, despite system-level failure on Chases part.

Key Facts : 1. Chase Secure Banking explicitly prohibits overdraft transactions and guarantees they will be declined this is stated in Chases public-facing materials, disclosures, and customer agreements.

2. I was told by a Chase representative that I could record the call, which I did. In this recording, a Chase employee acknowledged actions taken that conflict with Secure Bankings stated terms, effectively admitting Chase permitted the violation.

3. I have retained this evidence and will be seeking legal counsel, as this matter may involve : Breach of contract Violation of Regulation E ( concerning electronic funds transfers ) Unlawful account closure without appropriate notice or remediation process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
Money was sent to wrong vendor on XXXX/XXXX/XXXX. The vendor declined and refunded the money on the same day. On XX/XX/XXXX, Cash App sent me an email and a text stating " REFUND ISSUED {$1300.00} was transferred back to your balance ''. This action was never done. I called on numerous occasions and on XX/XX/XXXX case # XXXX was opened with Cash app. After that I began receiving emails that my claim was denied? I called asking what was happening as they had already told me that my refund was coming within 10 business days. When that did not happen, I called cash app again and spoke to a man named XXXX who said he did not see anything on my account dated XX/XX/XXXX. I sent them a screen shot of their correspondence. What happened to it? Why was it no longer in the correspondence relating to my claim? He had no answer. He said he would open another case # XXXX. I have no idea where my money is and Cashapp now has amnesia. How does money just disappear? 
I sent them a screen shot of their refund correspondence, and they choose to ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I just recently looked at my report from Transunion on XX/XX/XXXX, and I saw some hard inquiries that are the result of Identity Theft. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. These accounts are causing me hardship, and they are hindering me from obtaining new credit. 
Inquiries XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX  XXXX Experian XX/XX/XXXX BEST XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX  Experian XX/XX/XXXXXXXX XXXX XXXX  Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXXXXXX XXXX  Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ).

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 2025-08-05 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: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Over a year ago, I worked out a payment plan with this company to collect a debt that was charged to me via someone using my ss #. 

Twice within a 2 year period that have stopped taken the money out of my account. Most recently was XX/XX/year>. They sent my account to another collection agency who said that the account went back to XXXX and they couldn't help me. 

Now, this company has submitted this claim to credit report without even trying to settle this debt that I have been paying monthly. 

I would like this inquiry to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TekCollect Inc.
State: FL

Complaint narrative:
I am formally filing a complaint with TEK COLLECT regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several negative accounts that I do not recall authorizing, agreeing to, or receiving proper documentation for. Some of these debts were reported as collections or charge-offs, with balances ranging from approximately \ {$260.00} to over \ {$1400.00}. At no point did I receive a formal notice, billing statement, or validation of these debts from the companies involved. I was never provided with an opportunity to dispute the accuracy of these accounts before they were reported, nor did I receive any breakdown of charges or proof of the original agreements. Despite previous dispute attempts, none of the reporting entities have been able to provide full verification or legally required documentation. These accounts continue to damage my credit and are being reported without proper validation or transparency.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-05 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: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You are in willful noncompliance and if you think what you are doing is so legal take me to court! You are in violation of so many things the main one being you are a 3rd party and BOUGHT an account that has yet to be verified legally as mine ( my signature with them AND you, my ID with them AND you, my social with them AND you, orginal contract, payment history, promissory notes ) something showing me and you had an agreement and that I knew you took over the account such as a 30 day notice you were legally supposed to send BEFORE posting to my credit report nothing was forwardedfrom the old address. All you sent was a pdf that a 10 year old could make with a fake.itimized Line of cost I " owe '' but we both know legally once you take my account and pay you satisfied my debt!!! This is common k owledge you guys have got in trouble about it and you are costing me getting a car and going to work and if I take you to court it'll be WAYYY more than what you are begging me for. If what im saying is wrong sue me and prove it immediately so I can do what I need to.

Company response to consumer: Closed with explanation