vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I submitted this account as opened fraudulently with dispute # of XXXX. On XX/XX/XXXX I received results from my dispute stating that it was approved and would be removed from my credit report and as of today XX/XX/XXXX it is still being reported on my credited report. please remove this from my account. 



IC Systems - amount - {$770.00}

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 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I live in the state of Arkansas, where consumer loan interest rates are constitutionally limited to 17 % APR. I took out a line of credit through XXXX  in XX/XX/year>. While the original borrowed amount was approximately {$2800.00}, I have now repaid nearly {$20000.00} in total. 

The majority of these payments went toward interest and fees that far exceed what is legally permitted in my state. Despite contacting NetCredit to address this and request a resolution, the company has continued to insist that a balance remains of XXXX and has not acknowledged my concerns about Arkansas usury law. 

I submitted a formal revocation of ACH authorization, which was confirmed. However, XXXX  has not addressed the underlying issue of excessive interest or the legality of continuing to collect. 

I believe the remaining balance should be eliminated and the account closed in good standing, given the amount Ive repaid far exceeds the original loan amount. I am requesting the CFPB investigate this matter and require XXXX  to stop further collection activity and refrain from any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
I recently checked my new credit report and noticed multiple accounts in the red on there. they do not belong to me and are harming my future moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
I recently checked my new credit report and noticed multiple accounts in the red on there. they do not belong to me and are harming my future moving forward.

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 2025-07-20 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: IL

Complaint narrative:
I recently checked my new credit report and noticed multiple accounts in the red on there. they do not belong to me and are harming my future moving forward.

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 2025-07-20 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Subject : Formal Complaint - Experian 's Unfair Investigation and FCRA Violations Dear CFPB, I am submitting this formal complaint against Experian regarding unfair investigation practices and multiple FCRA violations related to an account reported on my credit report. 
The account in question is a XXXX XXXX ( Account # XXXX ), reported as a charge-off by Experian. The agency has continued to reflect the account as a charge-off from XX/XX/XXXX through XX/XX/XXXX, alongside inconsistent delinquencies post-charge-off. 
I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 1681e ( b ) : Failure to maintain maximum possible accuracy - Section 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation after dispute - Section 1681s-2 ( b ) : Failure to correct or remove inaccurate information after being notified by the consumer - Repeated reporting of a charge-off across multiple months violates Metro 2 compliance, which mandates a charge-off be reported as a one-time status.

I submitted prior disputes to Experian requesting correction or deletion, but they failed to perform a meaningful investigation and allowed the inaccurate data to persist.

I request that the CFPB investigate this matter and hold Experian accountable for their negligent reporting and failure to comply with federal law.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: DC

Complaint narrative:
I disputed a collection account from Jefferson Capital Systems through Experian and followed up with a Method of Verification ( MOV ) request on XX/XX/year>. 
No documents or proper verification were provided. Instead, the account continues reporting as a collection past due as of XX/XX/year>, even though the original creditor ( XXXX ) is no longer listed with a verified Date of First Delinquency ( DOFD ). 
This is a violation of FCRA 623 ( a ) ( 5 ) and 611 ( a ) ( 7 ).

I am requesting deletion or correction of this tradeline, and a full explanation of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase is listing me as an authorized user on my sister and mothers accounts. I keep telling them to remove because its affecting my home loan save I never made any purchases on a Chase card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
Company has furnished /obtained my credit information without my explicit written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
This account was opened during a difficult financial period. I experienced [ briefly explain e.g., job loss, medical emergency, pandemic-related hardship, etc. ], which made it difficult to keep up with payments. I attempted to resolve the issue, but the account was eventually charged off. However, I believe the current reporting does not reflect the full context, and Im not sure the amount or status being reported is accurate.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate this account. Please verify all reported information with documentation from the original creditor. If you can not provide proper verification, the account must be corrected or removed entirely from my credit file.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), any furnisher of information must ensure the accuracy and integrity of the data being reported. If the account has been sold or transferred, please include documentation confirming the current ownership and balance breakdown. 

If this account is in collections, I also request full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including the original signed agreement and itemized statement.

Please send me the results of your investigation in writing within the 30-day period required by law. 

Thank you for your time and cooperation.

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Square , Inc. ) for unjustly deactivating my account without cause, explanation, or recourse. I was notified that my account had been permanently closed on XX/XX/year>, due to alleged violations of their Terms of Service specifically, gambling activity. I want to make it explicitly clear that I have never used Cash App for gambling or for any activity that violates their terms. 

I followed up immediately to dispute this claim and request a review. On XX/XX/year>, I received a message from a Cash App XXXX representative stating that my account would remain permanently closed, but no formal appeal process was offered. I have still not been provided with any specific reason, evidence, or transaction details to justify this decision. This lack of transparency and accountability is not only frustrating but also raises serious concerns about the fair treatment of users. 

Then on XX/XX/year>, I received a XXXX email from another representative, who acknowledged that I wished to appeal the decision but stated that there is nothing else we can do for you at this time. I was given no opportunity to properly dispute the claims, no evidence, and no fair pathway to restore my account. 

I rely on Cash App as a financial tool to send and receive funds with friends and family. This action has disrupted my financial access and created unnecessary hardship. It is a denial of due process and reflects a broader problem with how Cash App handles account closures often without just cause, documentation, or transparency a pattern that appears to be affecting many users and raises serious concerns about the fairness, consistency, and lack of accountability of their enforcement of policies and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation
State: AL

Complaint narrative:
I am disputing an account reported by Concord Servicing XXXX  for a timeshare originally issued by XXXX XXXX. The account is listed with a {$42000.00} balance and marked with foreclosure statuses from XX/XX/XXXX through XXXX, seriously damaging my credit report. 

I never received clear disclosures or honest sales terms. I was misled during the timeshare presentation, pressured to sign under false pretenses, and never informed of my cancellation rights. I attempted to resolve or cancel the timeshare, but was blocked repeatedly, while fees continued to increase. 

In support of my dispute, Ive submitted : A formal debt validation request sent to Concord Servicing ( attached ) An Exhibit XXXX  containing screenshots from hundreds of verified public complaints against XXXX XXXX, showing a widespread pattern of deception and financial harm. 


Despite my requests for validation, Concord has continued to report this item monthly without verifying the debt or providing any documentation. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting this item be fully investigated and removed from my credit report, and that Concord Servicing XXXX cease reporting until they can legally validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Complaint Against XXXX XXXX XXXX & Wells Fargo Auto for Warranty Claim Denial and Resulting Credit Damage I am filing a formal complaint regarding a denied warranty claim by XXXX XXXX XXXX ( Contract # XXXX ) related to my XXXX XXXX XXXX ( VIN : XXXX ). This denial directly contributed to the loss of my vehicle and the subsequent negative reporting by Wells Fargo Auto, which now appears as a charge-off on my credit report. 

The original issue stemmed from a blown head gasket, which I reasonably believed was covered under my service contract. The declarations page of my XXXX XXXX XXXX clearly lists Seals and Gaskets as covered under the XXXX XXXX, and I was never informed of an exclusion related to this specific part in my approval or denial letter. 

Despite my legal counsel reaching out on XX/XX/XXXX ( see attached letter ), the administrator did not provide a written or detailed explanation referencing any exclusions from the Schedule of Coverages that would justify this denial. Instead, I was only told the gasket failure was due to the vehicle running hot yet that is the exact result of a blown head gasket, which should not be used as the cause to exclude the issue. 

This lack of clarity and fairness in administering the warranty violated the reasonable expectations of coverage and left me without a vehicle. Subsequently, Wells Fargo Auto repossessed and charged off the loan, which now reports as a derogatory item. I believe this domino effect could have been prevented had the administrator fulfilled their contractual obligation to authorize the gasket repair under my plan.

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 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a complaint and need support Account status : I had an auto loan account I am writing to formally dispute the current status of my auto loan account, as reported to the credit bureaus. The account shows an open status and reflects a " Profit and Loss Write-Off, '' but I have fully paid off the loan, and the cars title has been released to the DMV.Here are the relevant details for clarification. Paid-Off Loan : The loan was paid off in full, and I received the title to the vehicle from Cap One Auto XXXX which was subsequently transferred to the DMV.Therefore, I no longer own the vehicle. Account Status Discrepancy : Despite the loan being fully settled and the title being released, the credit report still reflects the account as '' XXXX, '' which is misleading and incorrect. Dispute Resolution : The remarks on the account indicate a dispute was resolved, yet the current status does not accurately reflect that the loan was fully paid and the title was issued. This is impacting my credit and I request that the account status be updated to show as closed and paid in full. 
Capital one auto finance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been writing this bureau for MONTHS now trying to get them to correct their OWN MISTAKES. They are consistently reporting incorrect names, addresses, and unauthorized inquiries on my report. They are in violation of so many FCRA laws it is ridiculous. I began writing them in XXXX of XXXX, then XX/XX/XXXX. I have not received any communication and my report is still the same. 

First of all, based on FCRA ( FAIR CREDIT REPORTING ACT ) 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is a direct violation of 15 USC 1681 and all of its subsections. 

Second of all, there is a law that they are also fully violating - FCRA 15 USC1681b - PERMISSIBLE PURPOSE!!! I have not authorized or participated in ANY transaction which allowed any company to perform an INQUIRY of my credit information and I demand that ALL inquiries older than XXXX  days that are not tied to an undisputed active account be deleted IMMEDIATELY! 

XXXX of all, according to XXXX XXXX Transunion XXXX, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately. 

I feel violated and abused by this company. They have unfair practices that are impacting my ability to live without hardship.

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 2025-07-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of all accounts above, collections, late payments, and charge-offs that result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease under my rights under the FCRA and FDCPA law.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute to the credit bureau and/or debt collector requesting full validation of an alleged debt account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to receive proper documentation validating the debt before it can legally remain on my credit file. 



I specifically requested the following : A copy of the original signed contract or agreement bearing my signature A full accounting of the debt, including itemized statements or billing history Proof of ownership and legal right to collect and report the debt ( chain of custody from original creditor to the current XXXX ) Documentation of authorization to report this debt to any credit bureau The company failed to provide any of this information within the timeframe required by law. Despite their failure to validate the debt, they continue to report it to the credit bureaus, causing harm to my credit profile and violating my consumer rights. 



I am requesting immediate investigation and removal of the unverified debt from my credit report. Continuing to report unverifiable or inaccurate accounts is a direct violation of federal law.

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