vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under XXXX XXXX and XXXX. 
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ). 
I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. 

Please delete all account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Dear CFPB, I am filing this complaint regarding inaccurate, unverifiable, and misleading information being furnished to the credit reporting agencies by several creditors and furnishers. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts contain numerous reporting violations and inconsistencies : XXXXXXXX XXXX XXXX XXXX tradelines ) Duplicate entries, inconsistent delinquency counts, charged off while listed as active, false balance reports. 

XXXX XXXXXXXX XXXX of XXXX lates ( statistically impossible ), charged off while open. 

XXXX  Contradictory delinquency data between bureaus ( XXXX vs. XXXX late payments ). 

XXXX XXXX  Contradictory charge-off and unpaid balance status. 

XXXX  Listed as a collection account with no creditor or balance validation. 

XXXX XXXX XXXX XXXX  Incomplete and unverifiable collection record. 

XXXX  Inconsistent delinquency history, unverifiable negative data. 

These inaccuracies violate : FCRA 607 ( b ) Failure to assure maximum possible accuracy.

FCRA 611 ( a ) Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing known inaccurate information.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of debt amount/status.

FDCPA 809 ( b ) Failure to validate debt upon request.

15 U.S.C. 1681no Civil liability for willful and negligent noncompliance.

I am requesting that these accounts be investigated and deleted from my credit file unless full validation and verification of accuracy are provided. The reporting entities should also be investigated for noncompliance and willful furnishing of inaccurate information.

If the items are not corrected or deleted within the statutory period, I will pursue monetary remedies under 15 U.S.C. 1681n, with damages totaling approximately {$25000.00} based on XXXX distinct violations. 

Requested Relief : Immediate deletion or correction of the listed accounts.

Written confirmation of results within 30 days.

Investigation into data furnishers for repeated noncompliance. 

Please find enclosed : Copy of government-issued ID Proof of current address Credit report pages highlighting the disputed accounts Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Dear CFPB, I am filing this complaint regarding inaccurate, unverifiable, and misleading information being furnished to the credit reporting agencies by several creditors and furnishers. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts contain numerous reporting violations and inconsistencies : XXXXXXXX XXXX XXXX XXXX tradelines ) Duplicate entries, inconsistent delinquency counts, charged off while listed as active, false balance reports. 

XXXX XXXXXXXX XXXX of XXXX lates ( statistically impossible ), charged off while open. 

XXXX  Contradictory delinquency data between bureaus ( XXXX vs. XXXX late payments ). 

XXXX XXXX  Contradictory charge-off and unpaid balance status. 

XXXX  Listed as a collection account with no creditor or balance validation. 

XXXX XXXX XXXX XXXX  Incomplete and unverifiable collection record. 

XXXX  Inconsistent delinquency history, unverifiable negative data. 

These inaccuracies violate : FCRA 607 ( b ) Failure to assure maximum possible accuracy.

FCRA 611 ( a ) Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing known inaccurate information.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of debt amount/status.

FDCPA 809 ( b ) Failure to validate debt upon request.

15 U.S.C. 1681no Civil liability for willful and negligent noncompliance.

I am requesting that these accounts be investigated and deleted from my credit file unless full validation and verification of accuracy are provided. The reporting entities should also be investigated for noncompliance and willful furnishing of inaccurate information.

If the items are not corrected or deleted within the statutory period, I will pursue monetary remedies under 15 U.S.C. 1681n, with damages totaling approximately {$25000.00} based on XXXX distinct violations. 

Requested Relief : Immediate deletion or correction of the listed accounts.

Written confirmation of results within 30 days.

Investigation into data furnishers for repeated noncompliance. 

Please find enclosed : Copy of government-issued ID Proof of current address Credit report pages highlighting the disputed accounts 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 non-monetary relief
Consumer complaint received 2025-10-15 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: P&B Capital Group, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WI

Complaint narrative:
Cashapp account was closed, and unable to add a new bank account or debit card to my cash app so that I can withdraw my funds from my account. Ive been told I need to wait or link a already known account which I can not since the only linked account that I have is a old bank account I no XXXX have access to and it is closed. I need the money for rent XXXX and have been told just to wait with no eta other than wait until you can add another card. Ive attempted to escalated the situation and have been told the exact same things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
I had my stuff stolen along time ago while my husband and I were in the grocery store shopping the individual who was giving us a ride took off with our stuff in the car his name was XXXX he did some stuff on my cash app account I did not authorize it sooner than later found out of the details due to my cash app was closed for fraudulent stuff on my account I had at the time submitted my information to the cash app customer service people I have let them know that I have never had a fraudulent anything with my account with the time I have been using the cash app or have I ever did anything of the sort to any of my accounts I had been waiting for my account to be updated from the time I didn't have any idea it was not fixed I had some money on my account today of {$120.00} bucks I'm not able to accept it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NM

Complaint narrative:
On XX/XX/year> looked at my report. I sent a letter to Experian, on XXXX asking them to reinvestigate these accounts, they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general.lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NM

Complaint narrative:
On XX/XX/year> looked at my report. I sent a letter to Experian, on XXXX asking them to reinvestigate these accounts, they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general.lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
In XX/XX/year>, I reviewed my credit reports and found a collection account reported by Portfolio Recovery Associates still reporting after several disputes. I never received notice of this alleged debt, and I have no record of ever holding an account with the original creditor they reference. 

I disputed the account with the credit bureaus, but PRA verified it as accurate. I then contacted Portfolio Recovery Associates directly and requested validation of the debt. The company was unable to provide proper documentation proving that the account belongs to me or that they have legal authority to collect on it. Despite this, they have continued to report the debt as valid. 

The account is being inaccurately reported and is causing ongoing harm to my credit profile. This conduct violates the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ), which requires accuracy and proper reinvestigation, and the Fair Debt Collection Practices Act ( FDCPA 809 ), which requires collectors to provide proof of debt upon request. I am requesting that : Portfolio Recovery Associates and the credit bureaus conduct a thorough reinvestigation. 
The unverified and inaccurate account be deleted from all credit reports. 
Written confirmation of the deletion be provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
This follow-up concerns a dispute I filed under FCRA 611 ( 15 U.S.C. 1681i ) regarding a tradeline on my credit report that is not mine. Despite submitting proof that the account was inaccurate reported and does not belong to me, the credit bureau has failed to complete a reasonable reinvestigation. The disputed items are still reporting with no changes or justification, and I have not been provided with any documentation of the verification process or the source of the data. This lack of action is a direct violation of my right to an accurate and fairly investigated credit report. 
XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX Balance : {$430.00}

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 2025-10-15 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 follow-up concerns a dispute I filed under FCRA 611 ( 15 U.S.C. 1681i ) regarding a tradeline on my credit report that is not mine. Despite submitting proof that the account was inaccurate reported and does not belong to me, the credit bureau has failed to complete a reasonable reinvestigation. The disputed items are still reporting with no changes or justification, and I have not been provided with any documentation of the verification process or the source of the data. This lack of action is a direct violation of my right to an accurate and fairly investigated credit report. 
XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXXXXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXXEmployer - XXXXXXXX XXXXIncorrect Name : - XXXX XXXX XXXXIncorrect DOB : - XXXXEmployer - XXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX TX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX 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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: GU

Complaint narrative:
I needed to make a wire transfer to a vendor, and could not wait in the long lines at XXXX XXXX  XXXX. I then set up a WISE account to make the transfer, and funded it in the amount of {$4600.00} through XXXX  's " XXXX XXXX '' service. XXXX  called to verify the transaction, and my wife verified the charge. While in the process of sending the transfer to my vendor, the screen blanked for a moment and then sent me a message saying " ACCOUNT HAS BEEN CLOSED ''. 
I have tried to contact Wise, When I spoke with them on the phone they said that they would " look into it ''. I later received an email from them and thay asked me to resend them my complaint, in writing. I complied. Since then, they responded and told me that they were opening an investigation into it and that it could take 30 days or more. I again told them that it was not acceptable, and that I wanted my money immediately. 

This is THEFT, pure and simple. I want my money back, and they owe my vendor an apology and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXIncorrect Name : - XXXX XXXXIncorrect DOB : - XXXXIncorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXEmployer XXXX XXXX XXXX XXXXXXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Here is a copy my Debt validation letter asking Assignment contract and permissible purpose XXXX XXXX XXXX Via XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Cavalry Portfolio Services XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Re : Account # XXXX Dear Sir or Madam, I am writing to formally request validation of the debt referenced above, as provided under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you provide the following : 1. A complete copy of the original signed contract from the original debtor.

2. A detailed list of all payments made by me to the lender.

3. All pages of the original contract that contain wet signatures. 

Additionally, please provide me with the permissible purpose for which you are collecting this debt, as required under the FCRA. 

I appreciate your prompt attention to this matter, and I expect a response within the 30-day time frame stipulated by law. Please send all correspondence regarding this matter to my address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TN

Complaint narrative:
I am following up regarding inaccurate information on my credit report. The XXXX account is incorrectly reported as a charge-off, despite the balance being {$0.00}. I request its removal immediately. Additionally, the XXXX XXXX account requires a full reinvestigation to verify its accuracy. If the account can not be verified, it must be corrected or deleted. Please provide written confirmation of the investigation results and an updated credit report reflecting any corrections. These inaccuracies are affecting my financial stability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TN

Complaint narrative:
I am following up regarding inaccurate information on my credit report. The XXXX account is incorrectly reported as a charge-off, despite the balance being {$0.00}. I request its removal immediately. Additionally, the XXXX XXXX account requires a full reinvestigation to verify its accuracy. If the account can not be verified, it must be corrected or deleted. Please provide written confirmation of the investigation results and an updated credit report reflecting any corrections. These inaccuracies are affecting my financial stability

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