vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and unresolved information in my credit file, which has significantly impacted my ability to access my credit reports from all three major credit bureausExperian, Equifax, and XXXX 

For over a year, I have made numerous attempts to correct the erroneous information with the credit bureaus directly, but my efforts have been unsuccessful. Despite contacting Experian and Equifax on multiple occasions, the issue remains unresolved as of todays date. This continued inaccuracy has denied me access to essential financial information and services, which I am entitled to under federal law. 

In addition to this, I am currently being charged a membership fee for credit monitoring services with Experian, yet I am not receiving the service I am paying for and constant spam emails from Equifax to join their program. This, in my view, constitutes a clear violation of my consumer rights. 

I would also like to bring to your attention that my Social Security XXXX was part of a widely reported data breach involving Experian and Equifax. I believe this breach XXXX be directly connected to the issues affecting my credit files. The inability to access or correct this information has created ongoing and tremendous stress in both my personal and financial life. 

The failure of the credit bureaus to resolve these issues in a timely and effective manner is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which guarantees consumers the right to accurate and accessible credit information. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure the correction of my credit files and enforcement of my consumer rights. I am prepared to provide documentation of my communications with the credit bureaus, proof of membership payments, and confirmation of the data breach upon request. 

Thank you for your time and attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: NJ

Complaint narrative:
On Sunday, XX/XX/year>, at XXXX XXXX {$10.00} was deposited to my Cash App account. Then at XXXX XXXX, {$480.00} was also deposited to my Cash App account, in total {$490.00}. On XX/XX/XXXX, I went to the ATM to withdraw my money and saw that only {$130.00} was available. I called Cash App support and the rep stated it was due to a negative of {$88.00} and {$260.00} on my account. He stated for me to contact my bank, which I did and the rep stated that what Cash App is doing is illegal because they already credited the account and they can not charge you for that and on the other hand the {$490.00} that was deposited to your Cash App account is irrelevant to the disputed transactions. To make my story clearer, on XX/XX/year> and XX/XX/year> there were 2 transactions from Cash App I had to disputed with my bank, which were the {$88.00} and the {$260.00}. Then, on XX/XX/year> I was credited from Cash App for the 2 transactions, the {$88.00} and {$260.00}. So, I'm pleading for my {$88.00} and {$260.00} to refunded back to my Cash App account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I sent a timely debt verification letter to National Credit Systems via Certified Mail on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to validate the debt, but they have failed to respond. 

Despite the collection agencys failure to verify the debt, XXXX  continues to report the collection account. I submitted a dispute to XXXX  with documentation showing the agencys failure to validate, but they did not remove the account. This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB intervene and that this unverified collection account be permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
On XX/XX/year> car was taken by a towing company under direction of Exeter finance against my will and under threat from a place where I was conducting business during the business day downtown XXXX NC. I still have not received any correspondence through the mail or email addresses that are listed on my account with them regarding this matter and I still havent received any verified accounting of this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I discovered a Kia Finance auto loan on my credit report that I did not open or authorize. I do not own a Kia vehicle and never applied for financing with Kia Finance. This account is the result of identity theft.

I contacted Kia Finance, and they refused to provide me with any account details they told me to file a police report. I complied and also submitted an FTC Identity Theft Affidavit. When I reviewed my credit report further, I noticed an unfamiliar Florida address listed under my personal information an address where I have never lived or been associated with. 

A business contact helped me obtain a Florida vehicle record report tied to that address and to the Kia vehicle in question. That report shows the vehicle is registered to XXXX XXXX XXXX, someone I do not know and have never had any dealings with. I have no idea how this individual accessed my personal information, but the vehicle and loan are clearly connected to him, not me. 

I submitted a dispute to Experian, along with all supporting documentation : the police report, identity theft affidavit, proof of my actual Oklahoma address ( which does not match the fraudulent address ), a copy of my ID, and a letter to Kia Finance.

Despite this, Experian continues to report the account as accurate, and Kia Finance has not taken action to remove the fraudulent loan. This is actively harming my credit and delaying financial decisions I need to make. 

I am now requesting CFPB assistance to force a proper reinvestigation and the removal of this fraudulent account from my credit report.

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 2025-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES LLC ( 2024 ) Court of Appeals of Virginia. 
XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, LLC Record No. XXXX Decided : XX/XX/year> Present : Judges XXXX, XXXX and XXXX Argued at XXXX, Virginia XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PC ; XXXX XXXX XXXX XXXX XXXX, on brief ), for XXXX. 
XXXX XXXX, XXXX XXXXXXXX, appeals the circuit court order ruling for Portfolio Recovery Associates, LLC ( PRA ) in a debt-collection action. The XXXX XXXX granted judgment to PRA in the amount of {$8900.00}. On appeal, XXXX argues that PRA did not have standing to sue, that the court erred by failing to consider her counterclaim alleging PRA violated the Fair Debt Collections Practices Act ( FDCPA ), and that by releasing her cash bond to PRA, the XXXX XXXX XXXX XXXX XXXX XXXX violated the Fourteenth Amendment and FDCPA by issuing a recognizance on PRA 's behalf. Finding that PRA failed to prove it owned XXXX 's debt, we reverse the circuit court 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My identity was stolen or must have got leaked in a data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Account XXXX # XXXX. Im 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint to report Capital One for furnishing inaccurate and potentially misleading information to the credit reporting agencies regarding an account allegedly belonging to me ( Account # XXXX ). This reporting does not comply with the Fair Credit Reporting Act ( FCRA ) and CDIAs Metro 2 data furnishing guidelines. 

In my formal letter dated XX/XX/year>, I informed Capital One of specific inaccuracies and requested : Written method of verification Full Metro 2 format data compliance Proof of account validity and authorization Identity validation and contract of agreement documentation I stated that I do not recognize the opening date on this account and was unaware of any obligation to pay. Furthermore, no documentation has been provided to show the data is being reported to the credit bureaus in a fully accurate and legally compliant manner. 

Despite this, Capital One failed to respond within the 30-day requirement under 15 U.S.C. 1681i ( a ) ( 1 ) and continues to report data that : Lacks verifiable documentation Fails to meet the maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ) Violates 15 U.S.C. 1681s-2 regarding the duty to prevent inaccurate reporting Additionally, I referenced CDIA 's Credit Reporting Resource Guide ( CRRG 3-4 ) in my communication, highlighting that Capital Ones Metro 2 compliance appears deficient and therefore their data submissions are unlawful under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year> there was XXXX sent couldnt resolve this there was no support cashapp has been no help I called them today and was ran around and given a email to a link saying I need to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate item on my TransUnion credit report regarding my XXXX  XXXXXXXX XXXX XXXX. On XX/XX/year>, I received a XXXX alert indicating a {$14000.00} credit limit decrease, reporting a total credit limit of {$0.00}. This is inaccurate and has negatively affected my credit score. 

Please initiate an investigation into this matter and verify the correct information with XXXX XXXX. I request that TransUnion update the account to reflect the accurate credit limit and remove any impact this error may have caused to my credit profile. 

Enclosed youll find : A copy of the XXXX XXXX Recent XXXX  XXXX account statement Recent XXXX  XXXX letter response My government-issued ID and address verification Please confirm receipt of this dispute and notify me once the investigation is complete.

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 2025-05-07 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am writing you again about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the XXXX  Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth as well as a police report. The account was previously removed but is now reinserted back on to my XXXX  credit report without any proper investigation. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically section 6 ll ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is mandated to notify the consumer of any reinsertion of previously deleted material in writing within five business days following such reinsertion. To date, I have not received any form of notification regarding the reinsertion of the disputed item, constituting a direct and egregious violation of FCRA section 61 l ( a ) ( 5 ) ( B ) ( ii ). The account listed below, which appears on Identity Theft XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-07 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} Date Opened : XX/XX/XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$41000.00} Date Opened : XX/XX/XXXX 3.XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account was charged off by the creditor and it was fraudulently opened. I am a victim of identity theft and I need this off my credit. I dont know this company I dont owe this company they bought this fraudulent debt from somebody else that is their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
on XXXX  i paid off my BEST BUY CREDIT CARD BY CITI BANK,,, in the amounXXXX XXXX XXXX and on a sudden i saw a charge of XXXXXXXX XXXX  as a XXXX  purchase whic i denied as i did not do the purchase and it was a fraud after the creditor BEST BUY CREDIT CARD confirm that it is like that and they sent a letter to my account on XXXXXXXX XXXX XXXX stating that they are removing the fraud charges with all its associated fees and taxes

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 monetary relief