vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a XXXXbureau comparison table. I would appreciate your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a XXXXbureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one reported me to the credit bureaus as XXXX past due for XXXX XXXX in XXXX. I have statements from XXXX and nowhere on the statement does is show a past due amount, which is a violation of TILA as any past due amount should be noted as well as amount past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Winona Holdings, Inc.
State: CA

Complaint narrative:
I changed my check for money in cash for {$230.00} from a store at XXXX XXXX, XXXX XXXX, CA. Knowing I was able to pay back since my job pays me direct deposit. At the time i didnt have any money at my back account. Later the withdraw to collect their money was denied due to not having any money at my account. Time passed and I was not able to pay in time for about 2 months due to financial difficulties. I told myself I will pay them back in person. But due to bills and groceries needed I was not able to because it benefits me more to pay it later. A collection agency who contacted me is CheckCare, their address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX. They have sent me 2 letters within 2 months about the debt I owned to the store. 3rd Letter was about the amount I owned. The 3rd letter was about final notice. Containing about legal action against me of Civil Code section 1719. They were charging me {$250.00} because of the service fee which is {$25.00}. A few days have passed and I was able to pay them back for {$250.00}. But once I logged into their website the amount says {$920.00}. I only paid the {$250.00} from the last notice letter. Then today at XX/XX/year> I received a letter from checkcare. Their explanation says I have unpaid bad checks in the amount of {$920.00}. Further explaining about abusive? Then they explained about my ID and Checking Acct is related to negative with thousands of retailers and banking locations nationwide. I have not left California since I was born. The only time I did left to visit relatives in Mexico was when I was maybe 5 or 6 years old. I did not know if their information is inaccurate or false statements. Final sentence in their letter is saying if Im not committing fraud and would like to elect voluntary means to resolve this to call XXXX or account details at XX/XX/XXXX I want to ignore their threats, failed statements, and unfair fees that amount passing {$20.00}. Any help would be appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint because Resurgent Capital Services has continued to attempt to collect a debt without providing proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Here is a timeline of events : - XX/XX/year> : I submitted a debt validation request through Resurgents online portal ( I retained a copy and case number confirmation ). 
- XX/XX/year> : I purchased XXXX tracking with signature confirmation and mailed a follow-up dispute letter ( Tracking # XXXX ). 
- XX/XX/year> : XXXX tracking confirms delivery of that letter. 
- XX/XX/year> : I mailed another letter with tracking ( Tracking # XXXX ), which was delivered on XX/XX/year>. 
- XX/XX/year> : I emailed Resurgent again, reiterating my request for validation and asking them to cease collection efforts. 
- XX/XX/year> : I mailed a final dispute letter with tracking ( Tracking # XXXX ). While this number currently shows no XXXX scan updates, I dropped it in the mailbox the next day on XX/XX/XXXX. 
- XX/XX/year> : Based on internal mailroom responses, Resurgent received that final letter. 
- XX/XX/year> : Resurgent sent me a payment solicitation email, despite not having provided any new or legally sufficient documentation in response to my previous requests. 

The only materials Resurgent has provided are billing statements and internal account summaries. They have not provided a signed contract, a complete chain of assignment, or proof they are authorized to collect debts in XXXX  all of which were requested. 

I am requesting that the CFPB investigate this matter and direct Resurgent to cease all collection activity until they provide full and proper validation under the FDCPA. If they can not do so, the account should be marked invalid and removed from any reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Account Caine & Weiner starting with numbers XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I am contacting you regarding an account on my credit report that does not belong to me. After thoroughly reviewing my credit file, its clear that this account has been mistakenly associated with my identitythis is a classic case of mixed credit information, and it needs to be addressed immediately. 

Let me be very clear : this account is not mine. I did not open it, I have never used it, and I have no affiliation whatsoever with the person it actually belongs to. Somewhere along the line, my personal information has been confused or combined with someone else 's, and now their account is showing up under my name. Thats not just wrongits completely unacceptable. 

Not only is this hurting my credit profile, but its also a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate and only associated with the correct consumer. This account fails both of those standards.

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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information appearing on my XXXX  credit report related to the Capital One Bank USA account ending in XXXX Upon reviewing my credit report, I noticed that this account is listed with a status of Charge-Off and states the last payment date as XX/XX/year>. However, your own records show that a payment was recorded in XX/XX/year>, which is marked as on-time ( green circle ). This is a factual inaccuracy. 

The existence of an on-time payment in XX/XX/year> contradicts the last payment date and suggests the charge-off status and timeline may be incorrect or premature. This discrepancy affects the accuracy of my credit profile and may misrepresent my payment behavior. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax investigate this inconsistency and either : 1. Correct the charge-off status and last payment date, or 2. Remove the account entirely if the information can not be verified as accurate and consistent. 

Attached are screenshots from my report clearly showing the XX/XX/year> payment and the conflicting last payment date and charge-off details. 

Please complete this investigation within the required 30-day window and send me written confirmation of the results. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 ii ) 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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX. I borrowed {$670.00} and have already repaid more than the principal amount. I contacted the lender on XX/XX/, 2025, to formally dispute the legality of the interest rate under Ohio Revised Code XXXX, which caps APR at 28 %. 

The interest rate on this loan is 654.95 %. 


I also requested : Forgiveness of excess balance, Removal of accumulated fees, and A reasonable payment plan due to financial hardship. 

The lender acknowledged only my request to revoke ACH authorization but refused to address my dispute or provide any resolution. They continue to request payment in full and have not responded in good faith to the legal concerns or overpayment issues I raised. 

I am requesting that this loan be marked paid in full, that all fees and collection attempts be halted, and that any negative credit reporting be removed. I request the CFPB 's help in ensuring that this lender responds to consumer protections and fair lending practices.

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 2025-06-30 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00}

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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding an auto loan with XXXX XXXX XXXX that resulted in a charge-off, despite having active GAP insurance coverage. 

My vehicle was declared a total loss on XX/XX/year>. My primary insurance company paid a portion of the balance, and the remaining amount approximately {$4900.00} should have been covered by the GAP insurance I purchased through XXXX XXXX, which was included in my finance agreement. 

After receiving a letter from XXXX XXXX requesting GAP documents, I submitted a full package of the required documentation by mail twice as instructed in their correspondence. I complied with all requirements and deadlines. 

Additionally, I sent a follow-up complaint via email to the addresses XXXX and XXXX, which were provided to me over the phone by a XXXX representative XXXX 

During that time, I received several phone calls from XXXX XXXX. However, each time I answered, the call would go silent and then disconnect. This happened multiple times. 

Acting in good faith, I continued to make at least four payments after the total loss in XXXX, XXXX, XXXX, and XX/XX/year> believing GAP would be applied soon.

However, the GAP claim was never processed, and XXXX XXXX ultimately reported a charge-off of {$4900.00}, which is now severely damaging my credit. 

I am requesting one of the following resolutions : 1. Remove this account entirely from my credit report, OR 2. Update the account to reflect Closed Never Late, as I was never late on payments, and the balance should have been resolved through GAP. 

I have attached a copy of the email I sent to XXXX XXXX with my formal complaint. I respectfully request immediate action and resolution in accordance with the Fair Credit Reporting Act ( FCRA ).

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