vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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:
Complainant : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : This complaint is filed with the Consumer Financial Protection Bureau to report accounts that have been fraudulently opened or misreported under my name. These accounts are negatively impacting my credit standing. I am requesting immediate reinvestigation and deletion under the Fair Credit Reporting Act ( FCRA ), Section XXXX. I am including a notarized affidavit of identity theft and a supporting list of disputed accounts for reference. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Unknown Type : Collection Status : Open - Placed for Collection Balance : {$760.00} Date Opened : XX/XX/XXXX Reported Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * * * * Type : Charge Account Status : Collection/Chargeoff Balance : {$42.00} Past Due : {$30.00} Last Reported : XX/XX/XXXX XXXX. XXXX XXXX ( Installment ) Account Number : XXXX * * * * Type : Installment - Secured Status : Late 90 Days ( Paid ) Balance : {$0.00} Last Payment : XX/XX/XXXX XXXX. XXXX XXXX ( Deposit Related ) Account Number : XXXX * * * * Type : Open Account Status : Collection/Chargeoff Balance : {$370.00} Past Due : {$370.00} Last Reported : XX/XX/XXXX XXXX. XXXX XXXX ( Secured Credit Card ) Account Number : XXXX * * * * Type : Revolving Status : Collection/Chargeoff Balance : {$690.00} Past Due : {$690.00} Last Reported : XX/XX/XXXX XXXX. XXXX XXXX ( Deposit Related ) Account Number : XXXX * * * * Type : Open Account Status : Collection/Chargeoff Balance : {$48.00} Past Due : {$48.00} Last Reported : XX/XX/XXXX XXXX. XXXX XXXX ( Deposit Related ) Account Number : XXXX * * * * Type : Open Account Status : Collection/Chargeoff Balance : {$320.00} Past Due : {$320.00} Last Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX * * * * Type : Mortgage / Real Estate Status : Collection/Chargeoff ( Settled ) Balance : {$0.00} High Credit : {$7700.00} Last Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX * * * * Type : Collection Status : Collection/Chargeoff Balance : {$300.00} Last Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX * * * * Type : Credit Card Status : Late 60 Days ( Paid ) Balance : {$0.00} Last Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX * * * * Type : Credit Card Status : Late 60 Days ( Paid ) Balance : {$0.00} Last Reported : XX/XX/XXXX I respectfully request the CFPB take action by contacting the credit reporting agencies and furnishers to enforce a proper reinvestigation of these disputed accounts. If the information can not be verified, it must be permanently removed. Documentation attached. 

Respectfully, XXXX XXXX XXXX XXXX : XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: 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 ( XXXX ) 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 ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00} Date Opened : XX/XX/year>.

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 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Refusal to recognize trust jurisdiction and failure to respond to conditional acceptance On XX/XX/year>, I mailed Wells Fargo a conditional acceptance and trust claim packet, asserting fiduciary correction of a personal loan and credit card. As of XX/XX/year>, no response or acknowledgment has been provided. Under UCC 3-501 and federal truth-in-lending provisions, they are obligated to validate or rebut my claims.

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am XXXX XXXX XXXX, residing in Louisiana. I am requesting that my account be reviewed under Louisiana XXXX member Civil Relief Act law. I request that my interest rated be lowered to 6 % as per the statute. Along with that I am seeking reimbursement for all paid interest fees for the duration of the account that exceeded the 6 % interest rate outlined in Louisiana SCRA laws. I have attached a copy of my military orders, along with my residential lease as proof of residency in the state of Louisiana.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I've been a customer with CashApp for a very long time. I was XXXX of the customers that called and complained about fraud on several occasions. Last time being tax season this year. I heard about the civil suit over their lack to investigate. I did see we didn't need to do anything, it would be added. I received this message on cashapp with no notice. They closed my account. I've had to close and receive several new cards because of this reason. At the time, I couldn't get a bank account. I'm on XXXX and needed it for direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debts, however the information has not been provided due to my information being exposed, I have submitted an FTC complaint reporting the info I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a database and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debts, however the information has not been provided due to my information being exposed, I have submitted an FTC complaint reporting the info I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a database and a validation of debt letter.

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 2025-06-08 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: CT

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-06-07 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 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 
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. Ceaseanddesistasap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX XXXX : $ XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX, XXXX XXXX Balance : {$6000.00} XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi AA XXXX XXXX via Citi fully automated process. I was immediately accepted and, received the card, and spent over the required amount to earn the XXXX miles reward. I called Citi XXXX and asked why I had not received the XXXX miles reward and was told I wasnt eligible. I discussed with a Supervisor and was told that I should have clicked on a link on the application page and read all of the terms. In the fine print it explains that because I had another of their cards I had to wait several years after canceling the prior card to be eligible. I believe it is totally unfair and potentially fraudulent to not reasonably disclose this information and accept me for the card again without appropriate disclosure.

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 2025-06-08 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am submitting this complaint regarding a negative item reported by Apple on my credit report through XXXX  and/or XXXX  I was never notified of the delinquent balance or any payment issues because Apple was sending billing notifications to an email address I no longer have access to. That email account is one my estranged mother still controls due to how the Apple ID was originally set up. I have no ability to access that account or receive those alerts.

I provided Apple with screenshots proving I do not have access to the email that received notifications and that I was unaware of the balance. I never received a phone call, text, or notice through the Apple Wallet or payment interface on my devices. Once I became aware, I paid the balance immediately and asked Apple to request a goodwill deletion from the credit bureaus based on the unique and unfair circumstances. 

Apple refused to consider my request and falsely told me to contact XXXX directly, even though they know XXXX can not remove any information without the creditors authorization. Apple also claimed no one else could assist me further and that they would not escalate my request. 

I am not disputing the charge itselfIm asking for a goodwill removal due to the fact that I had no opportunity to resolve the balance before damage was done to my credit score. This issue dropped my XXXX  score by XXXX points and could negatively affect pending vehicle financing and future housing. I have been extremely transparent, cooperative, and respectful in my attempts to resolve this. 

I am requesting that Apple be directed to submit a goodwill deletion request to the credit bureaus, or remove the item themselves, given the lack of proper notice and the lasting harm caused by their refusal to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : LVNV FUNDING, LLC RE : FORMAL DISPUTE OF COLLECTION ACCOUNTS Account # XXXX {$630.00} & Account # XXXX {$490.00} NOTICE TO CEASE COLLECTION AND DEMAND FOR FULL VALIDATION UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal dispute and demand for full validation of the following alleged collection accounts being reported on my credit file : LVNV Funding Account # XXXX {$630.00} LVNV Funding Account # XXXX {$490.00} I do not acknowledge or consent to these debts, and I am exercising my rights under 15 USC 1692g ( b ) to demand proper and complete validation before any further action is taken. 

You are legally obligated to immediately cease all collection activity and provide the following documentation : REQUIRED VALIDATION DOCUMENTS : The original signed contract between myself and the original creditor for each account. 
A full itemized breakdown of the balances allegedly owed. 
Proof of chain of title or assignment from the original creditor to your agency for both accounts. 
A sworn affidavit from the original creditor verifying the accuracy and validity of these debts. 
The original assignment contracts that include my name, account numbers, and clearly establish your legal right to collect. 
Proof that both accounts are not time-barred under the Illinois statute of limitations. 
You are already in violation of federal consumer law by reporting unverifiable debts. This includes : 15 USC 1681s-2 Furnishing inaccurate and unverifiable information to credit bureaus 15 USC 1692e and 1692f Use of false, deceptive, or unfair collection tactics 15 USC 1666 ( b ) / 12 CFR 1026.13 Failure to properly investigate billing disputes UCC 3-501 Failure to present a valid negotiable instrument upon demand TAKE NOTICE : Do NOT verify or re-report these accounts through any automated system such as E-Oscar without documented proof. 
If full validation is not provided within 30 days, I will take immediate action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. 
Under 15 USC 1681i ( a ) ( 5 ) ( B ), any re-reporting without proper legal certification after deletion constitutes a willful violation, and I reserve the right to pursue damages in civil court. 
You are now formally notified to cease and desist all collection efforts related to these accounts unless full and proper validation is provided. 

GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : ABSOLUTE RESOLUTIONS INVESTMENTS , LLC RE : FORMAL DISPUTE OF COLLECTION ACCOUNT Account # XXXX {$2400.00} NOTICE TO CEASE COLLECTION AND DEMAND FOR FULL VALIDATION UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal dispute and demand for complete validation regarding the collection account you are reporting in the amount of {$2400.00}, under account number XXXX. I do not acknowledge this debt, and you are legally required to validate it under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ). 

You are hereby ordered to immediately cease all collection activity and provide the following documentation : REQUIRED VALIDATION DOCUMENTS : The original signed contract between myself and the original creditor. 
A full itemized breakdown of the balance allegedly owed. 
Proof of chain of title or assignment from the original creditor to your agency. 
A sworn affidavit of debt from the original creditor confirming accuracy. 
A copy of the original assignment contract not a generic bill of sale that includes my name, account number, and all rights you claim to have to collect. 
Proof that this alleged debt is not past the statute of limitations for collections in the State of Illinois.

You are in violation of multiple consumer protection laws by reporting unverified and potentially inaccurate information : 15 USC 1681s-2 Providing inaccurate information to consumer reporting agencies 15 USC 1692e and 1692f Using deceptive or unfair means to collect a debt 15 USC 1666 ( b ) / 12 CFR 1026.13 Failure to respond to billing error disputes UCC 3-501 Failure to present a valid negotiable instrument upon demand TAKE NOTICE : Do not verify or update this account with the credit bureaus through E-Oscar or any other automated system. That is a willful violation of my rights. 
If you can not provide FULL validation within 30 days, I will file complaints with the CFPB, FTC, and Illinois Attorney General, and may pursue civil action for damages.

Under 15 USC 1681i ( a ) ( 5 ) ( B ), if this account is reinserted into any credit report after deletion, it must be certified with documentation or you are liable. 
You are now legally notified to cease all collection activities and communications unless full and complete validation is provided. 

GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
Hi, CFPB. Thank you for taking the time to address my concerns. Recently, I was reviewing my consumer report and noticed various inaccuracies and unauthorized accounts that have been furnished on there. Please note that I haven't given anyone permission to access my credit report or profile. Im requesting that the following accounts be removed immediately XXXX XXXX XXXX Acct # 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 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 ( Original Creditor : XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX, & XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Ive also sent the proper documentation to TransUnion, XXXX, & XXXX  attached and notarized an FTC & XXXX XXXX theft report affidavit. Please take note that Im a victim of Identity theft.

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