vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I requested gas from XXXX. I asked before I paid after calling them twice if someone can arrive with XXXX minutes since the police officer was there and stating I was stranded in a very dangerous curve. They insured me that they could get a driver there within XXXX minutes. After waiting XXXX minutes and already reaching out to the driver I contacted XXXX about the driver not being on his way. You can see live movement online. The dispatcher said that he can see what I can't. But I had also called the driver amd he said that he was still stuck with his last appointment. So the police officer and another civilian took me to get gas and followed me back to the gas station to fill up. I called XXXX back and this was XXXX hours later to inform them to cancel because I had received help. I asked for a refund since the driver never even proceeded towards my location. The dispatcher said he could only do half until I informed him that the driver was never on his way. He then argued and I told him that I would contact bank to get this handled. I also called the back on the XXXX asaking about my refund after filing a dispute on the XXXX with Cash app. They said that they were looking into it and would call me back. I still haven't heard from them. It's ridiculous to get charged {$98.00} for no service. They shouldn't charge before they arrive anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I paid XXXX credit company to help me got no results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NC

Complaint narrative:
There are late payments on this account XXXX  account ( Account XXXX. XXXX, XXXX, XXXX, XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I canceled the " Total Loss Protection ( XXXX  ) - XXXX XXXX  - Non Commercial Use '' for my vehicle but they have not yet refunded the amount of {$1200.00} to my account. The Honda Finance Corp is still billing me for it despite the product not being active anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: NC

Complaint narrative:
On XX/XX/2025, I received an email from Jefferson Capital claiming I owed money on a XXXX loan I do not recognize. The same day, I disputed the alleged debt in writing and requested validation under the Fair Debt Collection Practices Act ( FDCPA ), including the original contract and payment history. Jefferson Capital never provided any documentation. Despite this, they reported two collection accounts to my TransUnion credit report. This violates FDCPA 1692g ( b ), which requires debt collectors to stop collection activity until validation is provided. Both accounts now show account information disputed by consumer, meets FCRA requirements, but Jefferson Capital has never validated the debt. By continuing to report disputed and unvalidated accounts, they are also violating the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ). I also filed a complaint with the Better Business Bureau regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EdFinancial Services
State: NC

Complaint narrative:
I was under the impression that my student loans were in deferment. They were not, Ed financial had sent me emails that were going to spam about making a payment. It was not until I got an alert on my XXXX XXXX XXXX that my score had dropped that I realized they were in fact not in deferment. I immediately called and made a payment. Ed financial updated my account to where everything was up to date there are no delinquencies that are reflected on this account any longer. I would like to get this negative reflection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. and subservicer XXXX  XXXX XXXX  Number : XXXX Property Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Summary of Issue XXXX XXXXXXXX XXXX XXXXXXXX reported us as delinquent to the credit bureaus for XX/XX/XXXX, even though : XXXX. Timely Payments Were Made We made mortgage payments of {$1600.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These payments cleared our bank accounts. Proof is attached. 
XXXX. No Written Notice Was Ever Received The XXXX modification agreement states we would receive written notice by mail if the loan terms or required payments changed. 
We never received any such written correspondence until the delinquency/default notice dated XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX letter claims notices were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but these were never delivered to us. 
XXXX. We Never Used the Online Portal Until This Dispute We did not enroll in or utilize XXXX XXXX online servicing portal until this issue arose. 
Only then did we request electronic documents. Prior to this, all communication was expected via mail, as per the modification agreement. 
XXXX. Servicer Mishandled Funds Rather than applying our {$1600.00} payments and carrying a shortage balance forward, XXXX rejected them in full. 
This mishandling created an artificial delinquency despite our timely payments. 
XXXX. We Never Intentionally Missed a Payment We have never intentionally shorted or failed to pay our mortgage on time. 
We are now being punished for the servicers error, not for any actual failure on our part. 
XXXX. Since This Dispute Arose We have made all principal and interest payments in full and paid any late fees assessed in order to remain current. 
Our account is now up to date without issue. 
XXXX Credit Score Impact As a direct result of this inaccurate delinquency, our Equifax credit score dropped by more than XXXX points. 
This severe decline is directly preventing us from qualifying for mortgage financing to purchase a new home. 
XXXX. Violation of Legal Duties Under RESPA, servicers must provide clear, timely notice of changes in payment obligations. 
Under FCRA, furnishers may only report information that is accurate and complete. Reporting us delinquent when payments were made and no written notice was delivered is inaccurate. 



Requested Resolution Remove all derogatory credit reporting related to this alleged delinquency from XXXX, Equifax, and XXXX. 
Correct our mortgage payment history to reflect timely payments. 
Provide written confirmation that our account is current and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( Last XXXX ) : * XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute & Request for Blocking of Inaccurate Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally disputing and demanding the immediate removal of the following fraudulent and inaccurate items that have appeared on my credit file. I was directly affected by the data breaches at Equifax and TransUnion, which placed my personal information at significant risk of identity theft. The fraudulent accounts, inquiries, and addresses listed below are a direct result of these breaches. 
Fraudulent Accounts : XXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX ( Account XXXX XXXX XXXXXXXX ) XXXX  XXXX  ( Account XXXX XXXX XXXX ) XXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) XXXX ( Account XXXX XXXX XXXXXXXX ) Fraudulent/Unauthorized Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Addresses : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX Address on File ( to remain ) : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Pursuant to 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), I am exercising my legal right to request that you block the reporting of this information in my credit file. These accounts, inquiries, and addresses are the result of identity theft and fraudulent use of my personal information stemming from the breaches mentioned above. 
Under federal law, you are required to block such information within XXXX ( XXXX ) business days of receiving proper notice and documentation. Enclosed are the following supporting documents : XXXX copy of my Identity Theft Report filed with the FTC XXXX local law enforcement. 
Failure to comply with this request will constitute a willful violation of federal law. Should you refuse or delay in blocking these accounts, inquiries, and addresses, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for enforcement action. I also reserve the right to pursue civil remedies, including damages, under the Fair Credit Reporting Act. 
Please confirm in writing that the above-referenced accounts, inquiries, and addresses have been permanently removed or blocked, and that my file has been updated to reflect my correct current address only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( Last XXXX ) : * XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute & Request for Blocking of Inaccurate Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally disputing and demanding the immediate removal of the following fraudulent and inaccurate items that have appeared on my credit file. I was directly affected by the data breaches at Equifax and TransUnion, which placed my personal information at significant risk of identity theft. The fraudulent accounts, inquiries, and addresses listed below are a direct result of these breaches. 
Fraudulent Accounts : XXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX ( Account XXXX XXXX XXXXXXXX ) XXXX  XXXX  ( Account XXXX XXXX XXXX ) XXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) XXXX ( Account XXXX XXXX XXXXXXXX ) Fraudulent/Unauthorized Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Addresses : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX Address on File ( to remain ) : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Pursuant to 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), I am exercising my legal right to request that you block the reporting of this information in my credit file. These accounts, inquiries, and addresses are the result of identity theft and fraudulent use of my personal information stemming from the breaches mentioned above. 
Under federal law, you are required to block such information within XXXX ( XXXX ) business days of receiving proper notice and documentation. Enclosed are the following supporting documents : XXXX copy of my Identity Theft Report filed with the FTC XXXX local law enforcement. 
Failure to comply with this request will constitute a willful violation of federal law. Should you refuse or delay in blocking these accounts, inquiries, and addresses, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for enforcement action. I also reserve the right to pursue civil remedies, including damages, under the Fair Credit Reporting Act. 
Please confirm in writing that the above-referenced accounts, inquiries, and addresses have been permanently removed or blocked, and that my file has been updated to reflect my correct current address only. 
Sincerely, 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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their high interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
I am submitting this complaint against Ability Recovery Services , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) by failing to properly validate the debt before reporting it to XXXX, and for furnishing information that may be inaccurate or incomplete, violating the Fair Credit Reporting Act ( FCRA ). 

I discovered a collection account from Ability Recovery Services appearing on my XXXX  credit report. However : I never received a validation notice as required under FDCPA 809 ( a ). 

I have not been provided any documentation to support the validity or ownership of the debt. 

They are actively furnishing data to XXXX  without first validating the debt which is collection activity per federal case law. 

Violations : FDCPA ( 15 U.S.C. 1692g / 809 ( a ) ) : No validation notice was issued within 5 days of first communication. 

No opportunity to dispute the debt was provided. 

No verification or breakdown of the alleged balance has been offered. 

12 CFR 1006.34 ( Regulation F ) : No itemization or clear statement of the debt, including amount due at charge-off, interest, fees, or payments.

FCRA Violations ( Because of Reporting to XXXX  ) : FCRA 1681e ( b ) : No evidence that Ability Recovery Services is reporting maximum possible accuracy.

FCRA 1681s-2 ( b ) : They are furnishing data to a CRA without verifying its validity. 

XXXX v. XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX  ) : Credit reporting constitutes collection activity, thus triggering FDCPA obligations even without direct contact. 

Documentation I Am Demanding : Ability Recovery Services has not provided any of the following which are required to prove ownership and legal collection rights : Flow agreement showing account placement Transfer of assignment Bill of sale Original signed contract/agreement Full chain of title from the original creditor to Ability Recovery Services They must not report a debt without first substantiating it with proper validation.

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 2025-09-22 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: LEXISNEXIS
State: NC

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 explanation
Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Inaccurate Reporting and Demand for Immediate Cease and Desist To Whom It May Concern, This letter serves as a formal dispute and demand for correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Upon reviewing my credit report, I have identified closed accounts that are being reported inaccurately and in violation of federal law. The continued reporting of these accounts is erroneous, derogatory, and constitutes unlawful harm to my credit profile. Specifically, I dispute the following : 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.C. System, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Removal : Under FCRA 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the information can not be verified as accurate, it must be deleted immediately.

Under FCRA 1681c ( a ), outdated or incorrect information may not be reported.

Under FCRA 1681s-2 ( b ), furnishers of information ( creditors/collectors ) have a duty to investigate disputed information and promptly correct or delete inaccurate records. 
If any of the above accounts are being pursued by a third-party collector, this letter additionally serves as a cease-and-desist demand under FDCPA 805 ( c ), 15 U.S.C.

1692c ( c ), requiring you to cease all collection activity and communication regarding these accounts.

My Demand : I hereby demand the following : 1. 2. 3. That you conduct a full reinvestigation of the above accounts. 
That unverifiable or inaccurate entries be permanently deleted from my credit file. 
That you provide me with a written statement of the results of your investigation, including an updated copy of my credit report, within 30 days as required by law. 
Failure to comply with these federal requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing private legal action for damages under FCRA 1681n and 1681o. 
This is your final opportunity to correct these violations without further escalation. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/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 2025-09-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation