vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: NJ

Complaint narrative:
Complaint Regarding Affirms Unfair Debt Collection Decision Merchant Failure to Deliver Services Dear CFPB, I am submitting this complaint regarding XXXX XXXX XXXX and their decision to send my loan account to a debt collection agency despite clear evidence that the merchant, XXXX XXXX, failed to deliver the services I paid for through Affirm financing. 

On XX/XX/XXXX, I purchased a XXXX XXXX boot camp treatment package for my daughter, consisting of XXXX treatments, from XXXX XXXX XXXX The merchant has only provided XXXX treatments and has failed to complete the remaining XXXX sessions. On XX/XX/XXXX, at XXXX PM, the owner, XXXX, confirmed in a XXXX message that there were still pending services to be provided. Despite multiple attempts to contact her via text, email, and letter, the merchant has not responded or resumed the treatments. 

I presented XXXX with this written proof that the service was incomplete and that the merchant failed to fulfill the contract. Instead of holding the merchant accountable, XXXX favored the merchant by keeping them paid in full and pursuing me for the balance. This is essentially requiring me to pay for a service that was never fully provided, which I believe constitutes fraud by the merchant and an unfair debt collection practice by XXXX. 

I have also filed a complaint with the New Jersey Division of Consumer Affairs, which is currently investigating the merchants conduct. Nonetheless, XXXX has chosen to escalate the matter to a collection agency rather than address the core issue that the merchant did not fulfill their obligations. 

I request the CFPB to investigate Affirms actions and require them to : Cease all debt collection efforts against me for this disputed charge ; Pursue recovery from the merchant instead of penalizing the consumer ; and Correct any negative reporting to the credit bureaus related to this dispute. 

I am providing documentation of the merchants written admission, my communications with XXXX, and my formal dispute notice for your review. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-08-12 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: CA

Complaint narrative:
I am requesting the immediate removal of all fraudulent accounts and unauthorized inquiries from my credit file, specifically : XXXX XXXX Account Number : XXXX These items were the result of identity theft and were not authorized or initiated by me. The company must : Permanently delete the above account and any related inquiries. 

Block all identity theftrelated information within XXXX business days, as required by law. 

Provide a corrected and updated consumer report. 

Send written confirmation of all deletions and blocks. 

I have already provided all required documentation, including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am formally submitting a complaint regarding the sudden and unjustified closure of my Capital One checking account. 

I opened this account in 2019 and have since used it as my primary bank account for direct deposit of wages and salaries, as well as for various daily financial management needs. Over the years, I have always used this account in a legal, compliant, and transparent manner. The account has never been involved in any unauthorized or prohibited transactions, and I have consistently maintained the account in good standing. 

Recently, Capital One abruptly closed my checking account without prior warning or explanation. I have not received any notification of violations of bank terms or issues that could have led to such action. This sudden closure has left me unable to access my account funds and forced me to urgently seek alternative banking services. 

This decision has caused significant disruption to my life, including : Interruption of incomewages can not be deposited into the account as planned, leading to financial stress and inability to pay necessary expenses on time. 

Interruption of bill paymentsautomatic payments linked to the account were rejected, resulting in late payment notices and potential damage to my credit history. 

Emotional and logistical stressthe sudden closure of the account forced me to urgently arrange financial matters, causing unnecessary difficulties. 

I have contacted Capital One multiple times seeking clarification and resolution. However, the only response I received was that the account was closed at the banks sole discretion, with no further details provided. As a long-term customer with a good banking history, I believe I am entitled to transparency, a reasonable explanation, and fair treatment. 

I hereby request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter, demand that Capital One provide specific factual grounds for the account closure, and ensure that my consumer rights are fully protected under applicable banking and consumer protection laws. I also request the restoration of my account. 

Thank you for your attention to this matter and your ongoing commitment to protecting consumer rights. 

my name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Credit Technologies, Inc.
State: GA

Complaint narrative:
I have unknown inquiries on my report that I never requested to be done or to have my credit pulled I tried contacting all parties but no answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I made a payment through Cash App for a trip. The trip was later cancelled, and I attempted to dispute the charge. Cash App denied my dispute, stating I had XXXX days to file. However, I did not know within 60 days that the trip was going to be cancelled, so it was impossible to dispute earlier. I provided proof of cancellation and the companys failure to provide services, yet Cash App refused to assist or recover the funds. I am requesting that Cash App reconsider and process my dispute, as the denial is unfair and contrary to reasonable consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Purchase XXXX XXXX XXXX  from XXXX XXXX did not disclose any information/ no truth in billing about a lease program with Acima. Sold the offer for a down payment of {$10.00} then wont accept the return of glasses. Called Acima with questions on why are they charging extra processing fees & markup fees, after I made a payment to close account! They Try to negotiate a lower price but deletes original lease agreement & trying to just collect whatever amount so they dont accept a return of purchase. Acima Acct still shows active where items are being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
My account with XXXX  has never been late. Ive always maintained an excellent payment history with XXXX XXXX, and all my payments were set up on autopay. The late payment currently showing on my report is due to a system error on their end when processing my payment. This billing mistake is entirely the companys fault and does not reflect my payment behavior. It also violates USC Code 1681eb.

This error has caused significant harm to my reputation, character, lifestyle, and has negatively affected my family. I demand that this late payment be removed from my report immediately. 

XXXX  is not complying with the lawspecifically 15 USC 1666bwhich sets clear standards for when a creditor can treat a payment as late. According to 15 USC 1666b ( a ), a creditor can not mark a payment late unless they have reasonable procedures in place to ensure that the periodic statement, including the disclosures required by section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

XXXX never sent me the required periodic statement or disclosures. I have requested proof that these were mailed or delivered 21 days before the due date, as allowed under rule 1002, but they never provided it. This situation is unfair, illegal, and fraudulent, and it is not right for me as a consumer. I insist that the late payment be deleted from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them. This is unacceptable, as it results in false and misleading information being associated with my financial history. 

I take the accuracy of my credit profile extremely seriously. The presence of these unauthorized accounts is a matter of significant concern, and I require immediate clarification on why they are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX with lates reported as 30 days late in XXXX XXXX 60 days late in XX/XX/2023, and 90 days late in XX/XX/2023. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnisher misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report this unverifiable late payment. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experians reinvestigation process failed to identify or correct this reporting error. This false late payment entry has caused significant damage to my creditworthiness, emotional distress, and financial harm, as it has negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-12 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: MD

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX - Date Opened : XX/XX/XXXX - {$01000.00}, XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$470.00}, XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$470.00} ; fraudulent inquiries off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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 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 2025-08-12 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: RI

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on 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 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TO : First Point Collection Resources , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX RE : Final Notice Prior to Litigation Matter Now Escalated This letter serves as final notice that legal action against First Point Collection Resources , Inc. is now underway. A XXXX Intent to Sue was previously delivered to your organization and allowed to expire without resolution. The case has advanced to the filing stage, and you will be served in due course. 

The alleged debt you have attempted to collect is baseless. XXXX XXXX XXXX has confirmed on a recorded line that I owe no outstanding balance. My policy was canceled in good standing upon the sale of my vehicle, and a refund check was issued and deposited. Further, XXXX XXXX advised that your file was recalled prior to your most recent contact. 

Your subsequent correspondence signed by your employee, XXXX XXXX fails to constitute lawful debt validation under 15 U.S.C. 1692g ( b ) ( FDCPA ) and Cal. Civ. Code 1788 et seq. ( Rosenthal Act ). The document you provided lacks any evidence establishing a legal obligation. Additionally, your continued communications after my cease and desist constitute knowing violations of the FDCPA, Rosenthal Act, and the Fair Credit Reporting Act, 15 U.S.C. 1681s-2.

Your companys conduct demonstrates deliberate noncompliance and reckless disregard for federal and state consumer protection statutes. I have an established litigation history in the XXXX XXXX XXXX XXXX against debt collectors, with no losses to date. This case will follow the same outcome. 

The relief sought will include maximum statutory damages, actual damages, court costs, attorneys fees, and any additional remedies available under law. I will not engage in settlement discussions outside of formal litigation. You will be required to respond in court. 

This is your last communication from me outside the judicial process. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX with lates reported as 30 days late in XXXX XXXX, 60 days late in XX/XX/year>, and 90 days late in XX/XX/year>. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnisher misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report this unverifiable late payment. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct this reporting error. This false late payment entry has caused significant damage to my creditworthiness, emotional distress, and financial harm, as it has negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
Kikoff is saying I have a late payment of XXXX XXXX I set up auto pay with Kikoff with my bank making my auto payment the first of each month using card ending in XXXX. Kikoff took the payment off my card ending in XXXX XXXX XXXX. This information is not correct an is reporting to the bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation